How much does the average person spend on unused subscriptions?

Studies show the average consumer underestimates their monthly subscription spending by $100 to $200 per month, with up to 42% of consumers actively paying for subscriptions they no longer use.

How is the 10-year compound cost calculated?

The calculator compounds your monthly subscription cost at an annualized 7% historical index fund growth rate over 10 years to reveal the opportunity cost of passive spending.

Is my financial data stored on a server?

No. The calculator runs 100% locally in your browser. No personal financial numbers or merchant lists are uploaded or sold.

Free Subscription Cost Calculator

Quick Add

Click any service to toggle it in your audit.

Add Custom

Your Subscriptions (0)

$0.00/mo

No subscriptions selected yet. Click the presets above or add your own.

Monthly Total No data

$0.00 / month

Equates to $0.00 billed every year.

10-Year Opportunity Cost @ 7% S&P 500 return

If this monthly amount was invested in an index fund, this is how much wealth you could have accumulated.

Equivalent Spending

Add your subscriptions to see what that money could buy instead.

Track & Optimise with Kamiara

100% Private. Runs locally in your browser.

Quick Survey

What is your biggest personal finance challenge?

Why Subscription Costs Add Up

1. Frictionless Micro-Charges

Small charges of $4.99 to $19.99 slip past our mental accounting, compounding into thousands yearly.

2. The Free Trial Trap

Over 60% of free trials convert into recurring payments that go unnoticed for months before cancellation.

3. Lost Investment Growth

Every dollar paid into unused services is a dollar that could have earned 7%+ compound returns annually.

Frequently Asked Questions

How does Kamiara help manage recurring expenses?

Kamiara offers offline-first, multi-currency subscription tracking with smart alerts before renewal dates, zero-based budgeting, and instant month-end financial clarity.

Is this calculator accurate for all currencies?

Yes, preset estimates are calibrated to current global pricing across USD, EUR, EGP, SAR, AED, and GBP, with full support for custom inputs in any amount.

Take Control of Every Dollar

Stop guessing where your money goes. Track, optimise, and grow your wealth with Kamiara — private, intelligent, and built for real life.

Launch Kamiara Free