Most people add subscriptions like calories. They never add up to one big number. They just keep accumulating until you wonder where the money went.
Total monthly spend by category. Bank statements, app store, email "renewal" search.
How far to project, return if invested instead, and your hourly take-home.
What this would have grown to if invested instead.
£165/mo over 30 years = £59,400 cash. Invested at % real it grows to . Translated to your hourly rate, that's 5,381 hours of work.
Illustrative figures only. The model assumes constant monthly spend; most subscriptions raise prices yearly, which makes the true lifetime cost higher. For your specific situation, consult a qualified adviser.
Worth surfaces every subscription you pay across cards, accounts, and app stores, and shows what each one compounds to. The ones to keep stay; the ones quietly running stop. Join the waitlist.
Because that is the actual opportunity cost. Money spent on a subscription is not money that can be invested. Over thirty years, the gap between spent-and-gone and invested-and-grown is enormous. A five per cent real return roughly quadruples money over thirty years. So the cash cost meaningfully understates the true cost.
Yes, plenty. A software tool that saves several hours of work per month at a real hourly rate pays back many times over. A gym you actually use that keeps you healthy is one of the best investments money can buy. Streaming you watch every evening is fine. The ones to kill are the ones you never use, the ones you forgot you were paying for, and the ones that exist because you forgot to cancel a free trial.
The same maths applies. The difference with subscriptions is they recur, so they are often invisible. You never see a single large decision; you see hundreds of small monthly decisions, each one feeling trivial. Worth's One Purchase calculator runs the same maths for a one-off.
Three places. Your bank statement (search recurring amounts), your phone's subscription list, and your email (search "renewal" or "subscription"). Most people find one to three subs they did not realise they were paying for. Annual savings are usually real.