Source: https://adamou-financial-consulting.vercel.app/tools/recurring-costs/

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# Recurring costs calculator

 

See the longer-term total of subscriptions and memberships.

  [ 
    
   Use the calculator
](https://adamou-financial-consulting.vercel.app/#tool-recurring) [ 
    
   Before you begin
](https://adamou-financial-consulting.vercel.app/#prepare) [ 
    
   See an example
](https://adamou-financial-consulting.vercel.app/#worked-example)  

Private calculations in your browser. No account required.

 

Your calculator

Recurring costs

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Changes units and formatting, not exchange rates. Enter every amount in the selected currency.

Enable JavaScript for interactive results. Each tool’s formula and assumptions are available below.

EXPLORE YOUR NUMBERS

## Recurring costs

See the longer-term total of subscriptions and memberships.

Combined monthly subscriptions 

(USD)

Combined annual memberships 

(USD)

Years to compare 

(years)

CalculateReset example

Example values are shown. Change them to explore your situation.

How this estimate works

Annual cost = monthly subscriptions × 12 + annual memberships. Period total = annual cost × years.

Assumes prices stay unchanged and every subscription renews. Excludes inflation, promotional changes, cancellation fees, and investment returns. Do not count the same subscription in both fields.

 

BEFORE YOU BEGIN

 

## Bring the right numbers.

 

Estimates are enough to explore. Keep every money amount in the same
        selected currency.

   
- 01

 

The total of your monthly recurring charges.

- 02

 

Separately, the total of charges billed once a year.

- 03

 

The number of complete years you want to compare.

 

MAKE THE RESULT USEFUL

 

## What to look for.

 

Add up monthly and yearly charges separately. Review how much you use each service before deciding what to change. The total is spending under a constant-price scenario, not automatically available savings.

 [
Discuss your next step with Matt
](https://adamou-financial-consulting.vercel.app/contact/?goal=goals) 

Your calculator inputs are not included in your inquiry.

   

WORKED EXAMPLE · USD

 

###  Total recurring cost over your period: $6,300.00 

   Combined monthly subscriptions  $85.00   Combined annual memberships  $240.00   Years to compare  5 years    

$1,260.00 per year over 5 years, assuming unchanged prices and renewals.

 

The example matches the starting inputs. It is an illustration, not a
        recommendation.

 

TRY ANOTHER SCENARIO

 

## 
Change one thing.
  Notice the difference.

   

Remove one unused monthly subscription from the combined monthly amount. Compare the period total before and after, keeping the time horizon unchanged.

 [
Return to your numbers
](https://adamou-financial-consulting.vercel.app/#tool-recurring) 

Changing inputs here does not send them to Matt or save them between
        visits.

 

A FEW THINGS YOU MAY BE WONDERING

 

## 
Good questions.
  Clear answers.

     Should I convert annual subscriptions to monthly amounts first? 

  

No. Put monthly charges in the monthly field and yearly charges in the annual field. The calculator combines them, so entering the same charge in both fields would double count it.

   Does the result assume prices rise? 

  

No. Prices and subscriptions stay unchanged throughout the selected period. Use the inflation tool separately to explore a hypothetical rising cost.

 

KEEP EXPLORING

 

## Build a fuller picture.

 

Three related tools for your next question.

  [
View all tools
](https://adamou-financial-consulting.vercel.app/tools/)   [ 

 

### Monthly budget

 

See what’s left after your monthly commitments.

 ](https://adamou-financial-consulting.vercel.app/tools/monthly-budget/)[ 

 

### Monthly savings

 

Work backward from a goal and a deadline to a monthly amount.

 ](https://adamou-financial-consulting.vercel.app/tools/monthly-savings/)[ 

 

### Inflation

 

See how a steady rise in prices could change a future expense.

 ](https://adamou-financial-consulting.vercel.app/tools/inflation/)