Music
- Monthly equivalent
- $10.00
- Full-year cost
- $120.00
- Cost per use
- $0.50
$10 × 12 ≈ $120.00
$10 ÷ 20 ≈ $0.50
LifeTally · Money and everyday life
Subscription and recurring cost calculator
Bring music, cloud storage, the gym and other recurring payments into one calculation. Compare weekly, monthly and annual plans, cost per use and a cancellation scenario.
Use one currency for every payment. Changing currency changes the label, not the amounts or exchange rate.
01 · Your recurring payments
Your recurring payments
An educational example is filled in, not current service prices. Replace it with your own payments.
Cost of the selected scenario ↓Compare up to 12 payments. Values are used only for calculation in this tab: the calculator does not submit them or retain them after reloading.
03 · Which subscription costs more
Which subscription costs more
Totals are rounded to two decimal places in the selected currency. A positive amount below 0.01 is shown as “< 0.01”, not as free. Formula inputs show more precision; calculations use unrounded values, so adding rounded rows can differ slightly from the total.
Cloud storage
- Monthly equivalent
- $10.00
- Full-year cost
- $120.00
- Cost per use
- $0.33
$120 × 1 ≈ $120.00
$10 ÷ 30 ≈ $0.33
Gym
- Monthly equivalent
- $40.00
- Full-year cost
- $480.00
- Cost per use
- $10.00
$40 × 12 ≈ $480.00
$40 ÷ 4 ≈ $10.00
04 · Where the numbers come from
Where the numbers come from
First convert each payment to an annual equivalent: weekly price × 365 ÷ 7, monthly × 12, annual unchanged. Monthly equivalent = annual ÷ 12; daily = annual ÷ 365. Period total = sum of kept annual costs × years. Cost per use = monthly equivalent ÷ uses per month.
ⓘ This is a constant-price model, not a billing calendar. A weekly plan can have 52 or 53 charges in a particular year. Annual plans are paid upfront even when a monthly equivalent is displayed. Past payments, refunds, trials, price rises, fees and exchange rates are excluded. Savings assume all future payments stop throughout the chosen period.How to use it
- Enter the amount of one charge and its frequency. For a 240 annual plan, enter 240 and “Every year”, not 20.
- Enter average uses per month. Occasional gym visits or viewing sessions become an understandable price per use.
- Uncheck payments you would stop, then compare your new budget with the original. Check actual cancellation terms with the provider.