Subscription Vampire

What are your subscriptions actually costing you?

Subscriptions are small on purpose. Each one is priced to sit below the level at which you would stop and think about it, and the point of this tool is to add them up and run the total forward. It is not here to talk you out of anything. Some of these are worth every cent. You will know which after you see the number.

What it is Amount Billed

Over how many years (max 10) Your hourly rate optional Leave blank and the tool works exactly the same. Fill it in and you also get the number of hours you work each year to pay for these.

Set it against a goal

Both optional, and both are needed together. Fill them in and the tool also tells you how much sooner you would reach your goal if every one of these went into the plan instead. Leave them blank and nothing here changes.

Your goal, in today's money optional What you already invest each month optional A delay only exists against a plan you are already running. Without this there is nothing for the subscriptions to be late against, so the figure is left out rather than guessed at.

Assumptions

Expected return, after inflation (%) Default 7%, rounded up from a measured 6.7%. Basis: the S&P 500 returned 10.0% a year with dividends reinvested over 1928-2025 (Damodaran, NYU Stern), less 3.1% average CPI inflation over the same window (US Bureau of Labor Statistics). US-only, and an illustration of the past rather than a forecast — no single year looks like it. Note the rounding runs in the direction that makes these subscriptions look worse, so treat the figure as the top of the range. Inflation (%) Pro Annual fees (%) Pro

The free version models 3 subscriptions over 10 years. Pro takes it to 20 subscriptions and the full 50-year horizon, adds your own inflation and fee assumptions, a return basis computed from real price history, image, CSV and clipboard export, and a shareable link. Opening a link someone shares with you is free.
Pro is a separate one-time purchase. If you already subscribe to DCA Simulator Pro, this is not included in it — worth knowing before you click, rather than at the checkout.

Educational content only — not financial advice. This tool prices one alternative use of the money and nothing else. It does not know what a subscription is worth to you, and a service you genuinely use is not a leak. Past returns are past returns; nothing here is a projection of any specific asset, or a recommendation to buy, keep or cancel anything.