Subscription Cancellation ROI

Recouped = monthly savings × months you keep it cancelled.

Inputs

If you invest the savings.

Result

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General calculation reads

Amazon affiliate
How Not to Be Wrong
Jordan Ellenberg - math thinking
Shop on Amazon
The Joy of X
Steven Strogatz - accessible math
Shop on Amazon
Scientific calculator (Casio fx-991EX)
Shop on Amazon

As an Amazon Associate we may earn from qualifying purchases. This does not add cost for you.

How to use this calculator

  • Enter monthly cost.
  • How long you'll go without (or if you're replacing with cheaper).
  • Investment rate for opportunity cost.

About this calculator

Subscriptions silently drain budgets. Cancel one $15/mo service for 24 months = $360 saved, or $390 if invested at 7%. Cancel three: ~$1100 over 2 years. Most people have 5-10 active subscriptions they don't use. Audit your bank statement quarterly. Common forgotten subs: gym ($30-100/mo), streaming services ($10-15 each), software (Photoshop $20-30, etc.), magazines, app subscriptions.

Frequently asked

What's "replacement cost"?+
If you replace Netflix ($15) with a cheaper Hulu ad-supported ($8), replacement = $8.
Investment opportunity rate?+
Reasonable 5-7% (S&P 500 long-term). Conservative: HYSA 4-5%. Aggressive: 10%+ but volatile.
When canceling backfires?+
Re-subscribing later at higher price. Locking out of grandfathered rate. Losing data/access.
How to audit?+
Bank statement, search "subscription" or recurring charges. Apps like Truebill, Rocket Money automate this.
Free trial cancel risk?+
Reminder calendar 1 day before trial ends. Most "free trials" auto-convert to paid.

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