Free finance tools
Free, easy-to-use tools to understand your spending and make smarter money decisions — then track it all in one place with Renew Reminder.
Subscription Opportunity Cost Calculator
See what your unused subscriptions could have grown to if you'd invested the money instead.
Open toolStreaming Bundle vs. Individual Calculator
Find out whether it's cheaper to buy streaming services individually or as a bundle.
Open toolWhy run the numbers first
It is easy to shrug off a $9.99 monthly charge because it looks small next to your rent or your grocery bill. The problem is that subscriptions compound quietly: a handful of small charges add up to hundreds of dollars a year, and money left in an investment account instead of an unused subscription keeps growing long after you would have cancelled. These calculators exist to make that math visible before you decide whether a subscription is actually worth keeping — no signup required, and nothing you enter is sent anywhere.
Frequently asked questions
Are these tools really free?
Yes. Every tool on this page runs entirely in your browser, with no account, paywall, or email required.
Do you store the numbers I enter?
No. Calculations happen on your device and are never transmitted to or stored on our servers.
How is this different from a budgeting app?
A budgeting app tells you what you spent. These calculators answer a narrower question — what a specific subscription decision costs or saves you over time — so you can decide before you commit, not after. If you want ongoing tracking of every subscription you already pay for, that is what the Renew Reminder app is for.