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    Subscriptions · habits · eating out · weekends · dating · impulse buys

    See How Your Everyday Spending Adds Up

    Subscriptions are only the beginning. Add takeout, coffee, shopping, weekends, subscriptions and other repeat spending to see what it really costs each month and year — then test what would happen if you cut back.

    Add your spending

    Streaming, software, memberships, gaming, cloud storage — monthly or annual billing.

    These are editable starting points, not recommendations — rename anything, change any price, delete what does not apply to you.

    Your expenses (3 priced)

    The three rows below are examples — edit them or delete them.
    $

    12 times a year · $180/yr · $15.00/mo

    What if I
    $

    156 times a year · $780/yr · $65.00/mo

    What if I
    $

    52 times a year · $1,300/yr · $108.33/mo

    What if I
    Your repeat spending
    $188/month
    $2,260/year
    Biggest category
    Eating out — $1,300/year
    Biggest individual expense
    Takeout — $1,300/year

    Where your money goes

    • Eating out$1,300/year · 58%
    • Daily habits$780/year · 35%
    • Subscriptions$180/year · 8%

    Your biggest expenses

    • Takeout$1,300/yr
    • Coffee$780/yr
    • Streaming$180/yr

    What if you changed just one thing?

    Takeout is your biggest repeat expense: $1,300 a year — $25.00 a time, 52 times a year.

    $
    Or test a scenario

    No scenario is set on this expense yet, so the total is unchanged. These are scenarios to test, not recommendations.

    What stands out

    Eating out is your biggest category

    $1,300/year — 58% of the repeat spending you have entered.

    Frequency is doing more work than price

    Coffee costs only $5.00 at a time, but 156 purchases a year add up to $780.

    Your biggest lever

    Changing Takeout would move your yearly total more than changing any other expense you have entered — it is 58% of the total on its own.

    If nothing changed for 5 years

    $11,300 — at today's prices, without inflation or investment returns.

    Related Calculators

    Content last updated: September 17, 2026

    How this calculator works, assumptions, and sources

    How this calculator works
    Formula

    Each expense is normalised to a yearly figure first: occurrences per year = 365 x qty (daily), 261 x qty (weekdays), days-per-week x 52 x qty, 52 x qty (weekly), 26 x qty (every two weeks), 12 x qty (monthly), 4 x qty (quarterly), 1 x qty (yearly), or the custom times-per-year value. Annual cost = amount per occurrence x occurrences per year. Monthly = annual / 12 and weekly = annual / 52, both derived from the annual figure so the three never disagree. Category total = sum of its items; overall total = sum of all categories. Scenario annual = 0 when an item is stopped, or max(0, alternative unit cost x occurrences x (1 - reduction% / 100)) when it is changed; unchanged items keep their baseline. Savings = baseline annual - scenario annual. The optional invested-instead figure is monthly savings x [((1 + r/12)^120 - 1) / (r/12)] at a return the user enters, reported separately and never added to savings.

    Assumptions
    • Amounts are what you actually pay per occurrence, including tax, tip, delivery and service fees where they apply.
    • A month is never treated as exactly four weeks; monthly figures are derived from the annual total so weekly, monthly and yearly stay consistent.
    • Annual subscriptions entered with the Yearly frequency are counted once per year, not twelve times.
    • Frequencies are averages held flat across the year — seasonal variation is smoothed rather than modelled.
    • Prices are held at today's level; no inflation or provider price rises are projected, so the 5- and 10-year totals are conservative nominal floors.
    • Scenario changes affect only the after column; the baseline always reflects current spending.
    • Alternative costs (a home-cooked meal, a cheaper plan) are priced at the figure you enter, never at zero.
    Default values & where they come from
    • Starting rows (streaming, music, an annual cloud plan, daily coffee, twice-weekly delivery, weekend drinks and a monthly impulse estimate) are illustrative US list prices and common frequency patterns, not survey medians or recommendations.
    • US households spend roughly $3,600 a year on food away from home and report several recurring digital subscriptions (BLS Consumer Expenditure Survey).
    • The $9 home-cooked comparison offered on eating-out presets is a conservative ingredient-cost placeholder and is meant to be edited.
    Limitations
    • The audit is only as complete as your list — forgotten charges, annual-only plans and cash spending are invisible unless entered.
    • Self-reported impulse and weekend spending is consistently lower than card-statement data, so a first pass is usually a floor.
    • Shared or family plans are not split between users, and free trials that convert to paid are not projected.
    • Regional pricing, sales tax, promotions and bundle discounts are not modelled.
    • No usage data exists here, so the tool cannot tell you which subscriptions you actually use.
    • The optional invested-instead figure ignores tax, fees, inflation and sequence-of-returns risk; it is an illustration, not a forecast.
    When not to rely on this calculator
    • Not a bank-account reconciliation tool — check statements for a complete list.
    • Not financial advice, and not a judgement about which expenses are worth keeping.
    • Do not treat the invested-instead figure as an investment projection or as money you would have had.
    • Not suitable for business or per-seat software budgeting.
    Sources

    Corrections welcome — see our corrections policy and editorial policy.

    Everyday spending questions

    How do I add up my subscriptions and recurring expenses?
    Add one row per expense, enter what you actually pay each time and pick how often it happens. Monthly plans are multiplied by 12 exactly once; a plan entered with the Yearly frequency is counted once a year and divided by 12 for the monthly comparison, so an annual plan is never charged twelve times. The totals update as you type. The list is only as complete as you make it, so it is worth opening a bank statement alongside it.
    What counts as recurring everyday spending?
    Anything you pay for repeatedly: subscriptions and memberships, coffee and snacks, takeout and delivery, restaurant meals and work lunches, weekend drinks and activities, dates, and regular unplanned buys. One-off purchases do not belong here — use them in the Is It Worth It? calculator instead.
    How does the calculator handle daily, weekly, monthly and yearly expenses?
    Everything is converted to a yearly figure first, then divided down. Daily is multiplied by 365, weekdays-only by 261, set days per week by days × 52, weekly by 52, every two weeks by 26, monthly by 12, quarterly by 4 and yearly by 1. The monthly figure is always the yearly total ÷ 12 and the weekly figure is the yearly total ÷ 52, so a month is never treated as exactly four weeks.
    Can I compare eating out with cooking at home?
    Yes. If you have at least one eating-out expense, an optional home-cooked comparison appears. You enter the eating-out meal cost, a realistic home-made cost, and how many meals a month you would replace, and it shows the monthly and yearly difference. Cooking at home is not free, so the starting home-cooked figure is a placeholder you are meant to edit.
    Can I test what happens if I cut back instead of stopping an expense completely?
    Yes. Every row has keep, change and stop controls. Choosing change lets you reduce how often it happens by a percentage, enter a cheaper price per occurrence, or both. The biggest expense also has one-tap 25% and 50% scenarios. Cutting frequency is usually more realistic than eliminating a category.
    Does the calculator tell me what I should cancel?
    No. It ranks the expenses you entered by yearly cost and shows which ones account for the largest share, but it does not label anything wasteful and does not invent a reduction you did not enter. If you mark no changes, the scenario totals stay identical to your current totals.
    How accurate is the 5-year estimate?
    It is simply your current yearly total multiplied by five, at today's prices, with no inflation, price rises or investment returns applied. It shows the scale of a habit continued unchanged, not a forecast. Self-reported spending also tends to run lower than card statements, so treat a first pass as a floor.