How much do you actually
spend on subscriptions?
The honest answer is usually 2–3× what most people guess. RefundFlow's free calculator gives you the real number — across every billing cycle, currency, and merchant — in under a minute.
What you get
Full-cycle normalization
Every annual, quarterly, or weekly plan reduced to a single monthly equivalent, so the total is directly comparable.
Hidden-charge inclusion
Captures the charges easy to miss — embedded app subscriptions, in-game memberships, donation auto-pays, and processor-billed indie SaaS.
Recoverable vs locked-in
Spend is split into 'cancellable now' (subscriptions you can stop today) and 'committed' (annual plans inside refund windows).
How it works
- 01Upload one or more recent statements.
- 02The calculator normalizes and totals your recurring spend.
- 03Compare your number to the US average and to a 'recoverable' tier.
- 04Take action on the highest-value cancellations and refunds first.
Frequently asked
How much does the average person spend on subscriptions?
Recent surveys put the US adult average at $230–$280 per month. Most people guess closer to $90 when asked from memory — the gap is the hidden / forgotten tier.
Does the calculator include one-time charges?
No. Only charges that recur at a stable cadence (weekly, monthly, quarterly, yearly) are included.
Can I export the result?
Yes — once you sign in, the tracker keeps your spend history and lets you download a CSV.
Ready to find out — free?
Free to use, processed in-memory, never stored. 30 seconds to your first report.