Wasted or Worth It? — Free Subscription Calculator

Find out the true cost of every subscription you pay for. Calculate your cost-per-use, get an instant verdict, and discover which subscriptions to cancel.

Is Your Subscription Worth It?

The average person pays for 12 subscriptions a month and actively uses fewer than half of them. At $273/month average spend, that's over $1,300/year going to services you barely touch. The fix is simple: calculate your cost-per-usestrong>.

Divide your monthly cost by how many times you actually used the service last month. If that number exceeds the benchmark for its category, it's a money pit. If it's under, keep it. Our calculator does this instantly for Netflix, Spotify, gym memberships, and 60+ other services.

Common Subscription Verdicts

• Netflixstrong> — worth it if you watch 5+ titles/month at the Standard tier ($15). Under that, you're overpaying per stream.
• Spotify Premiumstrong> — worth it for daily listeners. If you listen fewer than 10 times a month, the free tier is fine.
• Gym membershipstrong> — worth it only if you visit 4+ times per month at a $40 plan. Most people visit 1–2 times. That's $20–$40 per visit.
• Amazon Primestrong> — worth it if you factor in free shipping, Prime Video, and Music together. Rarely worth it for video alone.
• Adobe Creative Cloudstrong> — worth it for professionals using 3+ apps daily. For occasional use, Affinity Suite is a one-time purchase that covers 90% of needs.

How to Use the Subscription Calculator

1. Search for your subscription (Netflix, Spotify, gym, software, etc.)
2. Enter your monthly or yearly cost
3. Enter how many times you used it last month
4. Get an instant verdict: Great Valuestrong>, Meh — It's Okaystrong>, or Money Pitstrong>

Frequently Asked Questions

Is Netflix worth it in 2026?

Netflix is worth it if your cost-per-stream stays under $1.50–$3. Watch 10 titles on the $15/month Standard plan and each costs $1.50 — solid value. Watch 2 titles and each costs $7.50 — cancel and rotate back when a good show drops.

How much do people waste on subscriptions?

Studies consistently find that 42% of subscription spending goes to services people consider unused or underused. At average spend of $273/month, that's roughly $114/month — $1,368/year — being wasted. A 10-minute subscription audit using a cost-per-use calculator typically identifies $500–$1,000/year in savings.

What is financial freedom runway?

Financial freedom runway is how many months you could survive without income, using only your current savings. It's calculated by dividing liquid savings by monthly expenses. Our runway calculator lets you model expense reductions and see how each cancelled subscription extends your runway.

Is this tool free? Does it need my bank details?

Completely free. No account, no email, no bank login. You enter numbers manually. Everything runs in your browser — nothing is sent to any server. Your financial data stays entirely on your device.

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