Subscriptions are easy to lose track of precisely because they're billed on different cycles (a few dollars a month here, an annual renewal there), so the true total rarely gets added up in one place. This calculator combines monthly and annual subscriptions onto a single comparable number, so you can see what they actually cost you in a year.
How it works
Monthly-billed subscriptions are annualized by multiplying by 12, since that's the true yearly cost of a recurring monthly charge.
Annually-billed subscriptions are added at their full yearly price as-is.
The two are combined into one total annual cost, then divided by 12 again to give a monthly-equivalent figure that's directly comparable to a monthly budget line, even though some of that spend actually happens in occasional larger annual charges.
A worked example
$45/month in monthly subscriptions ($540/year) plus $120/year in annually-billed subscriptions comes to $660 total per year, about $55/month once averaged out, even though no single month's bill actually looks like $55.
Questions people ask
Why does the monthly-equivalent number not match what I actually pay some months?
Because it's an average. In a month where an annual subscription renews, you'll pay more than the monthly-equivalent figure; in other months, less. The monthly-equivalent is useful for budgeting purposes, not for predicting any single month's actual charge.
Should I switch annual subscriptions to monthly billing, or the reverse?
Annual billing is usually cheaper per month (often 10-20% less) in exchange for paying upfront and losing flexibility to cancel mid-year. If a subscription's value is proven and stable for you, annual billing is usually the better deal; for anything you're still evaluating, monthly billing costs more but avoids being locked into a purchase you might regret.
This total feels higher than I expected. What should I do?
A rising total is common once every small subscription is added up together rather than considered individually. A useful next step is to list every subscription by name against its cost and cancel the ones you can't immediately justify using regularly. The numbers here are only useful once you know which specific subscriptions make up the total.