Small payments, full picture
Subscription cost calculator
Add weekly, monthly and annual subscriptions to see what they cost over a year.
The useful answer
Enter each subscription’s payment amount and frequency to see the combined annual cost and average monthly equivalent. Use the total to decide what is worth keeping, then check cancellation terms for the services you want to stop.
Try your numbers
No sign-up. Calculations stay in this page.
Annual subscription cost
£275.76£22.98 per month on average. Check the cancellation terms for any costs you want to remove.
Weekly × 52, monthly × 12, quarterly × 4, yearly × 1. Starting values are examples, not provider prices. Your entered amounts stay in your browser.
What to know
- Weekly costs use 52 payments, monthly costs use 12, quarterly costs use 4 and annual costs use 1.
- Use the amount actually charged, including any relevant tax or fee.
- Check cancellation terms before treating an annual cost as avoidable.
How to use the calculator.
- Find the amount on a recent receipt or account statement.
- Choose the matching payment frequency, then add another subscription if needed.
- Compare the annual total with how much you value each service.
- Check the renewal, notice and cancellation terms for anything you want to stop.
The calculation behind the result.
Annual cost is payment amount multiplied by payments per year. The average monthly equivalent is the combined annual cost divided by twelve. A monthly equivalent is useful for comparison even when the actual payment leaves once a year.
The starting amounts are illustrative examples. This tool does not retrieve a provider’s current prices or check an account.
Cost and saving are different.
If a subscription is cancelled without a fee and not replaced, its future payments may be avoided. But a minimum term, notice period or replacement service can reduce the amount actually saved. A payment you have already made is not automatically refundable.
Use the total to decide what deserves a closer look. Keep subscriptions you value and investigate the ones you cannot explain.
What the tool leaves out.
The calculator assumes an unchanged price and regular frequency. It does not model introductory discounts, exchange-rate changes, pro-rata refunds or future price rises. A weekly cost uses 52 payments as a standard annual comparison; a particular date range can contain a different count.
The calculations run in the page. No bank connection is required. For an account-specific subscription review, Lodo can help you start from the recurring charges visible through your connected accounts.
Sources & further reading
Examples are illustrative unless stated otherwise.
- MoneyHelper: Direct Debits, standing orders and recurring card payments · Checked 7 September 2026
Something changed? Tell us so we can check it.