Subscription cost
The small recurring costs, all added up.
Your yearly subscription spend
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Add recurring streaming, app and membership costs into a single annual view. Annual plans are spread across months for an easier comparison with monthly subscriptions.
The ten-year figure assumes unchanged prices and the same subscriptions. It is a spending illustration, not an investment opportunity-cost calculation.
A worked example.
Using this calculator’s default inputs, your yearly subscription spend is ₹46,988. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Streaming & entertainment / month | ₹999 |
|---|---|
| Apps & software / month | ₹1,500 |
| Other memberships / month | ₹1,000 |
| Annual subscriptions | ₹5,000 |
A common mistake to avoid
Entering an annual plan both as a monthly equivalent and as an annual subscription.
Questions you might have.
Are price rises included?
No. The tool holds entered prices constant, so future invoices may differ.
Does this include all monthly bills?
Use it for subscriptions. Rent, food, loan payments and other essentials belong in your wider budget.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Annual cost = 12 × monthly subscriptions + annual subscriptions. Ten-year cost assumes unchanged prices.
Assumptions & things to know
Enter only subscription spending. No price increases, discounts or investment opportunity costs are assumed.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.