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True Cost of a Subscription
Monthly charges feel small. Over decades, compounded against what you could have earned, they're not. Enter any recurring cost — streaming, SaaS, gym, anything — and see what it's really worth.
$
%
yr
True cost over 20 years (invested)
$7,379
- Annual cost$180
- Daily cost$0.49
- Total paid (20 yr, no investing)$3,600
- Opportunity cost (invested at 7%)$7,379
- Multiplier vs. total paid2.0×
Assumes the subscription cost is paid annually and the equivalent is invested at the start of each year. Return is nominal; does not account for inflation or taxes on investment gains.