Home › MoneyShield › Subscription lifetime total
Most people guess low. Check yours.
How much have you paid since you signed up?
A subscription never feels expensive on the day it charges. Add up the years and it’s a different story. Before you look: guess the total in your head, then see how close you were.
Knowing the total is the wake-up. Deciding what to cut is the hard part.
We make MoneyShield, an iPhone subscription tracker that helps you decide what to keep, what to cancel first and when to act before the next charge.
- Cancel First: a ranked list of subscriptions worth cancelling, with the reason for each.
- A What If planner to see the difference cancelling would make to your month and year.
- No login, no bank connection, no email scanning. Everything stays on your iPhone.
- Starts with 7 days of full features and no payment required, then a free plan; Plus is optional.
How the total is worked out
For each subscription: the number of billing periods since your start date (months for monthly plans, years for yearly plans, counting the first charge on the day you signed up), multiplied by the price. If you enter a starting price that was lower than today’s, the calculator assumes the price rose in even steps between then and now, which is close enough for most services that raise prices every year or two. Free trial months aren’t counted if you set the first charge date after the trial.
These are estimates from the numbers you enter. For the exact figure, most services list past payments in your account settings, and Apple shows App Store subscription history under your Apple Account purchase history.
What to do with the number
- Ask the future question, not the past one. The money already spent is gone. The useful number is the five-year figure: is it worth that much from here?
- Rotate instead of stacking. Keep one streaming service at a time and switch when you’ve watched what you wanted.
- Check for yearly billing. If you’re keeping something long-term, an annual plan is often cheaper. The annual plan break-even calculator shows when.
- Find the forgotten ones. Go through your bank or card statement line by line for one month. The subscription audit checklist walks you through it.
Questions people ask
How do I find out how much I have spent on Netflix or Spotify in total?
Most services list your payment history in your account settings, and for App Store subscriptions Apple shows it in your purchase history. For a quick estimate, enter your start date and price in the calculator above.
Does this include price increases?
If you enter the price you started on as well as today’s price, it assumes the price rose evenly between the two. Leave the starting price blank to use today’s price throughout.
Why does the five-year figure matter more?
Because you can only change what you spend from now on. If the five-year total feels too high for what you use, that is the signal to cut or rotate.
Is my data saved?
Your list is kept in this browser so it is there when you come back. Nothing is sent anywhere.
Related
- Annual vs Monthly Subscription CalculatorCompare upfront annual cost against 1–12 monthly payments, with a visual commitment chart, downloadable six/eight/nine-month example and first cheaper month.
- Subscription trackers that don't link your bankEight iPhone subscription trackers compared (4 Nov 2026): which need a bank login, which run on manual entry, and who should pick what.
- Black Friday real discount calculatorCheck the real Black Friday discount: compare the sale price with the lowest price you have seen, and see what an intro subscription deal costs after month one.
- Free Trial End Date Calculator: When to Cancel Before You Are ChargedEnter the day your free trial started and how long it lasts. See the date it ends, the last safe day to cancel, and download a calendar reminder. Free, no sign-up, nothing stored.