Subscription Cancellation Saving Calculator

Work out subscription cancellation saving instantly with clear inputs, formula shown and shareable results.

About Subscription Cancellation Saving Calculator

A 12.99 monthly subscription is 155.88 a year, and invested at 5% instead it compounds to over 2,000 across ten years. Framing the decision that way, rather than as thirteen pounds a month, is what makes subscription creep visible.

Formula

Subscription cost

annual = monthly x 12; invested value = monthly x ((1 + r)^n - 1)/r

Worked example

With the default values below, Subscription Cancellation Saving Calculator returns Annual saving from cancelling of $155.88. Change any input above and every figure here is recalculated in your browser.

Inputs used

Monthly subscription cost: 12.99
Months barely used: 7 months
Similar subscriptions: 3 subscriptions
Return if invested instead: 5 %

Results

Annual saving from cancelling: $155.88
Wasted on unused months: $90.93
Ten-year value if invested: $2,017.12
Annual cost of all similar subscriptions: $467.64

Step by step

1Values used
2Subscription cost
3Annual saving from cancelling= 155.88
4Wasted on unused months= 90.93
5Ten-year value if invested= 2,017.12
6Annual cost of all similar subscriptions= 467.64

Assumptions and limits

The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax or compounding frequency into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

Why does subscription creep happen?

Each individual charge is small and automatic. There is no repeated decision point, so the cost never gets reassessed against the value.

What is a practical fix?

Audit statements once a year, and prefer annual payments where you must consciously renew rather than monthly auto-renewals.