How Much Are Your Subscriptions Really Costing You? Add Them Up in 2 Minutes

By DocTA Dwight, founder of DueSmart · Updated October 29, 2026

The short answerAdd every subscription you pay for, turn each one into a yearly amount, and add them up. A $15.49 monthly plan is $185.88 a year. Five small subscriptions can easily pass $300 a year.

Why the total surprises people

Subscriptions are built to feel small. $9.99 here, $15.49 there. Each one is easy to say yes to. But you pay them every month, so the real cost is the yearly number, and almost nobody sees that number in one place.

Step 1: Make your list

Open your last two bank and credit card statements. Look for any charge that shows up every month or once a year. Common ones are streaming, music, cloud storage, shopping memberships, gyms, phone insurance and apps.

Step 2: Turn each one into a yearly amount

Monthly charge: multiply by 12. $15.49 a month is $185.88 a year.
Yearly charge: keep it as it is. $139 once a year is $139.

Step 3: Add them up

Here is a made-up example, Mary's list:

Subscription	She pays	Each year
Streaming	$15.49 a month	$185.88
Shopping membership	$139 a year	$139.00
Total		$324.88

Step 4: Keep, cancel or pause

Go down the list and ask one question about each: did I use this in the last month? If not, it is a candidate to cancel or pause. Canceling one $15.49 subscription keeps $185.88 a year in your pocket.

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Common questions

How do I find all my subscriptions?

Look at your last two bank and card statements for charges that repeat every month or every year. Also check the subscription lists in your phone's app store and your shopping accounts.

What is a normal amount to spend on subscriptions?

There is no right number. What matters is that you know your yearly total and that each subscription is something you still use.