Example 1
- Seven subscriptions
- Total $130
- Rate 7%
Paid in: 15,600 dollars. Ending amount: 22,501.02 dollars.
Subscription cost over 10 years
Check the subscriptions and enter the monthly price. When the monthly price stays the same, the calculator adds them, multiplies by 120 months, and calculates that payment at the rate in the field. 130 dollars a month for 10 years is 15,600 dollars paid in. At 7% a year, compounded every month, the ending amount is 22,501.02 dollars. This is not a stock-market forecast.
A year of unused plans is on the unused subscription page. Here we look at 10 years, using the rate in the field.
Result
Check a subscription and enter its monthly price. The 10-year amounts appear here.
How the results are calculated
Month$130
Rate7%
Ending amount$22,501.02
The checked prices in the example are 16 + 12 + 3 + 20 + 14 + 50 + 15 = 130 dollars. Over 120 months the money paid in is 130 × 120 = 15,600 dollars.
When the monthly price stays the same, the ending amount is a monthly annuity: payment × ((1 + rate/12) to the power 120 − 1) / (rate/12). At 7% that is 22,501.02 dollars. The rate field shows 7. At 4% the same payment ends at 19,142.47 dollars. At a rate of 0 the ending amount equals the money paid in.
An unchecked subscription is not included in the total. A checked one with an empty price asks for a price and does not calculate. The prices in the example are sample figures, not a store price list. The currency switch at the top of the page converts the prices you entered into the selected currency. The conversion uses a fixed illustrative rate, not a live market price. With an empty rise, the ending amount stays 22,501.02 dollars. At 5% a year the same seven plans pay in 19,621.51 dollars and end at 27,520.27 dollars.
How to use
- Check the subscriptions and enter a monthly price.
- Leave 7 in the rate field, or type another rate.
- Click Calculate. At 130 dollars, 7%, and an empty rise, the ending amount is 22,501.02 dollars.
- Enter a yearly rise only when the monthly price should go up each year.
- Download the image with the amount that is on the screen.
Money paid in and the ending amount
With no yearly rise, the money paid in equals the monthly price multiplied by 120. The ending amount depends on the rate in the field.
- 120 months
- Ten years with no skipped payments. 130 × 120 = 15,600 dollars.
- 7%
- The annual rate in the field, divided by 12 with monthly compounding. It is a scenario, not a fund promise.
Examples
Example 2
- Netflix 16
- Spotify 12
- ChatGPT 20
- Rate 7%
Total 48 dollars. Paid in: 5,760 dollars. Ending amount: 8,308.07 dollars.
Example 3
- The same seven subscriptions
- Rate 4%
Money paid in stays 15,600 dollars. The ending amount is 19,142.47 dollars.
Example 4
- The same seven subscriptions, at 130 dollars
- Rate 7%
- 5% rise each year
The first year is 1,560.00 dollars. Money paid in over 10 years is 19,621.51 dollars. The ending amount is 27,520.27 dollars.
Common questions
Why is 22,501.02 dollars higher than 15,600 dollars?
Because the money paid in earns 7% a year, compounded every month. With no interest, 15,600 dollars would remain.
Is 7% a stock-market forecast?
No. It is the number in the field. Changing it to 4% changes the ending amount. The 15,600 dollars paid in stay the same.
Are 16 and 20 dollars store prices?
No. The example button fills them in. Before you click that button, the price fields are empty.
What about an unchecked subscription?
It is not included in the total, even if a price from the previous example is still in the field. The calculator reads a price only when the box is checked.
What happens at a rate of 0?
The ending amount equals the money paid in.
Does the currency switch convert the prices?
Yes. The prices and the result use the currency selected at the top of the page.
What does the yearly price rise do?
With an empty field, the monthly price stays flat, so 130 dollars at 7% ends at 22,501.02 dollars. At 5% a year the money paid in over 10 years is 19,621.51 dollars, and the ending amount is 27,520.27 dollars. The first year uses the price you enter.
Knowledge sources
Monthly compounding is the formula on this page. You type the rate yourself.
Page updated September 28, 2026.