Subscription Cost Calculator
The average UK household spends over £600 per year on subscriptions. Each individual cost seems small, but together they represent a significant drain on monthly income.
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A common mistake is signing up for free trials and forgetting to cancel. Subscription creep happens gradually – a £9.99 service here, a £5.99 app there – until recurring payments exceed £50 per month.
Regularly auditing your subscriptions can free up hundreds of pounds per year. Add your recurring payments below to see your total subscription cost.
Subscription Cost Calculator
Track your recurring subscriptions and see how they add up over time
Your Subscription Costs
Based on 2 subscriptions
Monthly
£21.98
Annual
£263.76
Over 3 Years
£791.28
Over 5 Years
£1,318.80
Did you know? Your 2 subscriptions will cost you £1,318.80 over the next 5 years. That's equivalent to 26 weeks of groceries (at £50/week).
Quick Insights
£10.99/month
£131.88/year
£10.99/month
£131.88/year
The Psychology of Subscription Creep
Subscription creep is the gradual accumulation of recurring payments that individually seem small but collectively drain your finances. Here's why it happens:
Pain of Paying Avoidance
Subscriptions remove the "pain point" of individual purchases. You don't feel the cost each time you use Netflix, unlike paying £5 to rent each film.
Free Trial Hook
Many services offer free trials knowing most people forget to cancel. Studies show up to 48% of people forget about at least one subscription.
Small Amount Bias
"It's only £9.99" is easy to justify. But 10 subscriptions at £9.99 is £100/month – or £1,200 per year leaving your account automatically.
Status Quo Bias
Once signed up, the default is to stay subscribed. Cancelling requires effort, and our brains prefer the path of least resistance.
Tips to Reduce Subscription Waste
Quarterly Subscription Audit
Set a calendar reminder every 3 months to review all subscriptions. Ask: "Did I use this at all last month?" If not twice, consider cancelling.
Use Virtual Cards
Services like Revolut or Monzo offer virtual cards. Create one per subscription with set spending limits – easy to freeze or cancel.
Share Where Possible
Family plans for Spotify, Netflix, YouTube Premium can cut costs by 50-70%. Split costs with household members legitimately.
Rotate Entertainment
You don't need Netflix, Disney+, Prime, and Apple TV+ simultaneously. Subscribe to one at a time, binge what you want, then rotate.
Cancel and Wait
Many services offer discounts to retain cancelling customers. Click cancel, wait for the retention offer – you might get 50% off.
Common UK Subscription Costs (2026/27)
Streaming & Entertainment
- • Netflix (Standard): £10.99/month
- • Disney+: £7.99/month
- • Amazon Prime: £8.99/month
- • Spotify Premium: £10.99/month
- • Apple TV+: £8.99/month
- • YouTube Premium: £12.99/month
Utilities & Services
- • Gym membership: £25-60/month
- • Mobile phone: £15-50/month
- • Broadband: £25-50/month
- • Cloud storage (iCloud/Google): £2.49-9.99/month
- • Password manager: £2.50-4/month
- • Antivirus software: £5-10/month
Food & Lifestyle
- • Deliveroo Plus: £3.49/month
- • Recipe boxes: £35-60/week
- • Coffee subscriptions: £10-25/month
- • Magazine/newspaper: £10-30/month
Productivity & Software
- • Microsoft 365: £5.99/month
- • Adobe Creative Cloud: £54.99/month
- • Canva Pro: £10.99/month
- • Notion: £8/month
Frequently Asked Questions
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