What do your subscriptions really cost? Add Them Up
See the true annual cost of your subscriptions. No sign-up required. No judgment, just clarity.
Most people are surprised by the total. And that is a good thing.
Your subscriptions.
One honest number.
Tap the ones you pay for, or add your own. We will do the math.
Your Monthly Total
That's $0.00 per year
Tap the subscriptions below to start adding them up. No judgment, just clarity.
Tap to add your subscriptions
Select the ones you pay for. Prices shown are standard monthly rates.
Have something else? Add it here.
Small charges
add up fast.
Most people underestimate their subscription spending by 40% or more. Seeing the real number is the first step.
Average monthly spending on subscriptions per U.S. household
Of people underestimate how much they spend on subscriptions
Wasted annually on unused subscriptions per person
This calculator is a start.
Warm sees everything.
You can only add what you remember. Warm connects to your bank and finds the rest.
- -- Manual entry only
- -- Relies on your memory
- -- One-time snapshot
- -- No account required
- + Automatic detection from your bank
- + Finds forgotten subscriptions
- + Ongoing tracking and alerts
- + Bill calendar and cancel links
Common questions
Everything you need to know about subscription spending.
How much does the average person spend on subscriptions?
The average American household spends about $273 per month on subscriptions, which works out to over $3,200 per year. Many people underestimate their total because individual charges seem small, but they add up quickly over time.
How can I reduce my subscription spending?
Start by listing everything you pay for monthly, which is exactly what this calculator helps with. Then ask yourself which services you actually used in the past 30 days. Cancel anything you have not used recently. You can always re-subscribe later if you miss it.
What subscriptions do people forget about most often?
Free trials that converted to paid plans are the most commonly forgotten. Cloud storage upgrades, app subscriptions through the App Store, old gym memberships, and annual renewals for software you no longer use are also frequently overlooked.
Is this calculator free to use?
Yes, this calculator is completely free. It runs entirely in your browser and does not store any data. For automatic subscription detection from your actual bank transactions, you can connect your accounts with Warm.
How does Warm find subscriptions automatically?
Warm analyzes your real bank transactions to identify recurring charges. It looks for merchants that charge you the same amount on a regular schedule, so you see every subscription in one place without manual entry.
What is the difference between this calculator and Warm?
This calculator lets you manually add subscriptions to see your total. Warm connects to your bank accounts and automatically detects every recurring charge, including ones you may have forgotten about. Think of this calculator as a starting point, and Warm as the full picture.
Related Features
Explore more ways Warm helps you understand your finances.
Subscription Tracking
Automatically detect and track all your recurring charges from your bank transactions.
Bill Calendar
Visualize upcoming bills and payments to plan ahead and avoid surprises.
Subscription Cancel Links
Quick access to cancellation pages for 470+ popular services.
Ready to feel
in control?
Stop guessing what you pay each month.
Let Warm show you the full picture.