Subscription Cost Calculator
It's just $10 a month, right?
See how your "small" subscriptions compound into a small fortune over time.
That's the power of compound interest!
Instead, you could have bought...
The Opportunity Cost
We don't just add up the months. We calculate the **Opportunity Cost**. This is the amount of money you could have earned if you had invested that monthly subscription fee instead of spending it.
We use a conservative **7% annual return**, compounded monthly. This is the historical average of the S&P 500 adjusted for inflation. It shows why cutting even a small $20 subscription can mean thousands of dollars in your retirement fund.
Subscription FAQ
Why do I have so many subscriptions?
Companies favor the subscription model because it generates predictable revenue. It's often easier for consumers to agree to a small monthly fee than a large one-time payment.
What is "Subscription Fatigue"?
This is the overwhelming feeling consumers get when they are subscribed to too many services (video, music, software, gym) and struggle to manage the costs and content.
Financial calculations are estimates for educational purposes only. Market returns vary and are not guaranteed.
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See the impact of specific subscriptions: