Subscription Calculator: How Much I Spend on Subscriptions?
Subscription calculator to track your monthly spending on Netflix, Spotify, ChatGPT and more. The average person has several subscriptions, calculate yours now
How much do I spend on subscriptions? Between Netflix, Spotify, ChatGPT, cloud storage, and streaming services, subscription costs add up faster than you’d expect. Studies show 89% of Americans underestimate their subscription spending, guessing around $62 when the real number is over $91 per month, more than $1,000 per year.
And here’s the worst part: a significant chunk of that money goes to subscriptions you barely use or completely forgot you had. Use our subscription cost calculator to add up all your streaming services, apps, and memberships. See your true monthly and yearly spending in seconds.
Subscription Savings Calculator
Add your current subscriptions to see how much you're spending and discover free alternatives available on HomeDock OS.
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How Much Does the Average Person Spend on Subscriptions?
According to recent data, the average American household spends between $91 and $133 per month on subscription services. That’s $1,100 to $1,600 per year on recurring payments alone. Even more concerning: approximately $17 per month goes toward subscriptions that are rarely or never used. That’s over $200 per year wasted on forgotten subscriptions.
How Many Subscriptions Does the Average Person Have?
The average consumer holds 5.6 active subscriptions. For younger generations, this number is even higher: 42% of Gen Z and millennials subscribe to 6-10 services simultaneously. The most common subscription categories are:
- • Streaming video: Netflix, Disney+, HBO Max, Prime Video, Hulu
- • Music streaming: Spotify, Apple Music, YouTube Music
- • Cloud storage: Google One, iCloud+, Dropbox
- • Productivity: Microsoft 365, Adobe Creative Cloud, Notion
- • AI tools: ChatGPT Plus, Claude Pro, Midjourney
- • Gaming: Xbox Game Pass, PlayStation Plus, Nintendo Online
- • Security: VPNs, password managers, antivirus
What Is Subscription Fatigue?
Subscription fatigue is the overwhelming feeling caused by managing too many recurring payments. 41% of consumers report experiencing subscription fatigue in 2025. The symptoms are familiar: anxiety about mounting costs, guilt over unused services, and frustration when yet another service raises prices. In fact, 67% of subscribers saw at least one service increase prices in the past year.
This fatigue is driving action. In the last six months alone, 39% of Americans have canceled at least one streaming subscription. The top reason? The high cost of living, cited by 34.6% of those who canceled.
But canceling doesn’t have to mean losing access. The rise of self-hosted alternatives means you can keep the functionality you love, movies, music, cloud storage, productivity tools, without the recurring fees. Instead of paying $100+/month across multiple services, host your own solutions.
How to Track Your Subscriptions
Not sure where your money is going? Here’s how to find all your subscriptions:
Check your bank statements. Look for recurring charges over the past 3 months. You’ll likely find subscriptions you forgot about.
Review your email. Search for “subscription,” “renewal,” or “receipt” to find confirmation emails from services you may have signed up for.
Check app store subscriptions. Both Apple and Google have subscription management sections where you can see all recurring app charges.
Use a subscription tracker. The calculator above lets you manually add your subscriptions and see the total. For automatic tracking, apps like Rocket Money connect directly to your bank accounts.
How to Cancel Subscriptions and Save Money
Once you know what you’re paying for, you can start cutting costs. Start by auditing your usage: ask yourself when you last used each service. If the answer is “I don’t remember,” it’s time to cancel. Be honest about which subscriptions actually add value to your life. You don’t need every streaming service running simultaneously. Try subscription rotation: subscribe to Netflix for a month, watch everything you want, cancel, then switch to Disney+ the next month. This strategy can cut entertainment costs by 50% or more.
For the subscriptions you want to keep, look for ways to reduce your per-person cost. Netflix Premium, Spotify Family, Microsoft 365 Family: these plans let you split costs with household members, saving 50-75%. Most streaming services also offer cheaper ad-supported plans. Netflix with ads costs $7.99 vs $15.49 for Standard. If you can tolerate some commercials, the savings add up.
But here’s the best strategy: for almost every paid subscription, there’s a free alternative that does the same thing. Many are open-source and completely free to use, some require a bit of setup but save you hundreds per year. The calculator above shows free alternatives for each subscription you select. With HomeDock OS, you get access to 200+ applications ready to install with one click: Jellyfin instead of Netflix, Nextcloud instead of Google Drive, Immich instead of Google Photos, and many more.
Are Subscriptions Worth It?
That depends entirely on how much you use them. A simple way to evaluate: calculate the cost per use. If Netflix costs $15.49/month and you watch 20 hours of content, that’s $0.77 per hour of entertainment. Pretty good value. But if you only watch 2 hours, that’s $7.75 per hour, and you might be better off renting individual movies.
Apply this logic to every subscription. ChatGPT Plus at $20/month is a bargain if you use it daily for work. It’s a waste if you only ask it a question once a week. Spotify Premium at $11.99/month makes sense if you listen to hours of music daily, but maybe the free tier with ads is enough for your occasional playlist.
The same applies to cloud storage. Paying $9.99/month for 2TB on Google One is great if you actually need it, but if you’re only using 50GB, you’re overpaying. And for many of these services, free self-hosted alternatives exist that give you the same functionality without the monthly fee.
Take Control of Your Subscription Spending
The first step is awareness. Use the subscription calculator above to see exactly what you’re paying. But here’s the thing: you don’t have to give up the functionality you love.
HomeDock OS gives you access to 200+ free, open-source alternatives to paid subscriptions. Stream your own media library instead of paying for Netflix. Host your own cloud storage instead of paying for Google One. Run your own password manager, VPN, and productivity tools, all for a fraction of the cost.
With HomeDock OS Cloud starting at just 9.95€/$10.95/month, you can replace dozens of subscriptions and save 70-90% on your monthly spending. That’s potentially $600-1,200 back in your pocket every year, while keeping all the features you actually use.
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