Calculators

Subscription Cost Calculator: Monthly and Yearly

Subscription cost calculator: total SaaS, media and phone plans per month and year, add a 2% FX markup on foreign renewals and test a 25% cut.

Your numbers
FX markup and planned cut

Answer

Your subscriptions cost 70.70 USD a month, or 848.40 USD a year, including 0.70 USD a month in FX markup. A 25% cut saves 212.10 USD a year.

Total annual cost
848.40 USD
Total monthly cost
70.70 USD
FX markup cost / month
0.70 USD
Annual cost after the cut
636.30 USD
Potential annual saving
212.10 USD
What the monthly total is made of
  • SaaS & app subscriptions / month40 USD57%
  • Streaming & cloud storage / month20 USD28%
  • Roaming, eSIM & VPN / month10 USD14%
  • Other recurring / month0 USD0%
  • FX markup cost / month0.70 USD1%

Share this scenario

Anyone with the link can read your entered amounts and settings. If the real figures are private, share an example with other numbers.

Next steps with this result

Compare the cards and services this result applies to:

Subscription audit for nomadsCut recurring SaaS, roaming and card costs.FX fee calculatorSee what foreign-currency renewals add over a year.Money transfer comparisonHold foreign currencies to avoid renewal FX markups.

Decision framework

This subscription cost calculator turns your recurring charges into a monthly and yearly total, including card FX markup, and shows what a planned cut would save.

Enter each category as a monthly amount in one currency; divide annual plans by 12 first. The calculator applies your card FX markup to the share billed in a foreign currency, adds it to the monthly total and multiplies by 12 for the year. The planned cut is a percentage of that whole annual total, FX included. Enter the FX markup your payment method actually charges: a foreign-currency bill paid from a balance in the same currency may carry none.

Example: $70 a month and a 25% cut

SaaS $40 + streaming and cloud $20 + mobile $10 = $70 a month. If half of that is charged with a 2% FX markup, FX adds $0.70 a month. The total is $70.70 a month, or $848.40 a year. A 25% cut saves $212.10 a year and leaves $636.30. If the only plan you can drop costs $10 a month with no FX markup, the real saving is $120 a year.

Build a list you can actually change

  • Convert annual invoices into monthly amounts before entering them.
  • Note each renewal date, cancellation deadline and prepaid period.
  • Separate unused subscriptions from tools you need for work.
  • Use amounts from your statement or your card’s actual FX markup, and count FX once.

FAQ

How do I turn the cut percentage into real cancellations?

The cut percentage reduces every cost evenly. List the specific plans you can cancel or downgrade, add up their yearly cost and compare that saving with the target.

What if I pay from a balance in the same currency?

Enter only the conversion cost that still applies to how you fund and pay the bill. Paying a foreign merchant from a balance in its currency can mean no card FX markup at all.

Does the yearly total include price increases?

It is the current month repeated 12 times. For a price rise, a new exchange rate or a different renewal price, run the calculator again with the new amounts.

Results use the amounts and fees you enter, so replace the examples with your own numbers. How we compare