# Subscription Cost Calculator: Find the Monthly Leak > Subscription cost calculator: add up OTT, music, cloud, gym and delivery plans, see the yearly total and what the money could grow to if invested instead. Source: https://trykosh.com/tools/subscription-cost-calculator Free tool - Budgeting and planning # Subscription cost calculator: what your monthly plans really cost Small monthly plans are easy to forget and easy to keep paying. Add them up, flag the ones you barely use, and see what that money could become if it were invested instead. Rules checked 25 October 2026Free - no sign-upRuns in your browser Invested instead for 10 years INR 8.89 lakh INR 3,825 a month, INR 45,900 a year, at an assumed 12% Spent in a year**INR 45,900** Paid over 10 years**INR 4.59 lakh** The leak (barely used)**INR 1.39 lakh** Video streaming (OTT) **INR 1,000**Music streaming **INR 120**Cloud storage **INR 130**Gym, fitness and yoga apps **INR 2,000**Food and grocery delivery memberships **INR 150**Shopping memberships **INR 125**News, software and other apps **INR 300** What the same money could grow to Years All subscriptions Just the barely used ones 5 INR 3.16 lakh INR 49,492 10 INR 8.89 lakh INR 1.39 lakh 15 INR 19.3 lakh INR 3.03 lakh 20 INR 38.22 lakh INR 5.99 lakh Cancelling the INR 600 a month you barely use and investing it instead could grow to about INR 1.39 lakh in 10 years. ## Upload your statement and Kosh does this for you. Upload a bank statement and Kosh builds this from your real spending: every UPI payment, EMI and subscription, sorted and priced. [Start free](/signup?via=tool-subscription-cost-calculator) ## How the subscription cost calculator works Enter what you pay each month for video streaming, music, cloud storage, gym and fitness apps, food and grocery delivery memberships, shopping memberships, and news, software or other apps. For annual plans, divide the yearly price by 12. Include family plans you pay for, even if others use them. Then enter the part you barely use: anything you opened less than once a week last month. This is the leak, money that leaves every month without giving much back. The calculator shows the monthly and yearly total and what you would pay over the horizon you pick. It then shows the opportunity cost: what the same monthly amount would grow to if invested each month at an assumed return. The 12% default is an illustrative long-run equity figure, not a promise, so lower it if you would put the money in deposits instead. None of this means every subscription is waste. The point is to see the full number, keep the ones you value and cancel the rest on purpose rather than by accident. Opportunity cost = monthly spend x \[((1 + r)^n − 1) / r\] x (1 + r) r assumed annual return / 12 n months in the horizon ## Worked example: Karan, 27, software engineer in Bengaluru Karan pays for three streaming apps, music, extra cloud storage, a INR 2,500 gym he visits twice a month, two delivery passes, a shopping membership and a few apps: INR 5,355 a month, or INR 64,260 a year. Over 15 years he would pay INR 9.64 lakh; invested at an assumed 12% the same money could grow to INR 27.02 lakh. Just the INR 1,800 he barely uses, mostly the gym and one streaming app, could become INR 9.08 lakh. Invested instead for 15 years INR 27.02 lakh INR 5,355 a month, INR 64,260 a year, at an assumed 12% Spent in a year**INR 64,260** Paid over 15 years**INR 9.64 lakh** The leak (barely used)**INR 9.08 lakh** Video streaming (OTT) **INR 1,500**Music streaming **INR 120**Cloud storage **INR 210**Gym, fitness and yoga apps **INR 2,500**Food and grocery delivery memberships **INR 300**Shopping memberships **INR 125**News, software and other apps **INR 600** Cancelling the INR 1,800 a month you barely use and investing it instead could grow to about INR 9.08 lakh in 15 years. [Load this example into the calculator ->](?ott=1500&cloud=210&gym=2500&delivery=300&apps=600&unused=1800&years=15#calculator) ## Good to know - Under RBI's e-mandate rules, card and UPI auto-debits up to INR 15,000 go through without an OTP, and you must get a pre-debit notice at least 24 hours before each charge. Use that notice as your monthly review prompt. - You can see and cancel UPI AutoPay mandates from your UPI app, and card mandates from your bank's app or the merchant's site. - Annual plans are cheaper per month but harder to cancel. Switch to annual only for services you have used every week for at least three months. - Rotate streaming services: subscribe for the month a show you want drops, then cancel. Most let you rejoin any time. - Watch out for free trials that roll into paid plans. Set a phone reminder the day you sign up. ## Frequently asked questions How much do Indians spend on subscriptions? It varies widely, but a young urban professional can easily reach INR 2,000-6,000 a month across streaming, music, cloud storage, fitness and delivery memberships. Because each one is small, most people underestimate the total until they list them. How do I find all my active subscriptions? Check your card statements and bank statements for recurring charges, the mandates section of your UPI app, and the subscriptions page in your phone's app store. Email receipts with words like 'renewal' or 'membership' catch the rest. How do I cancel an auto-debit subscription? Cancel inside the service first, then revoke the mandate from your UPI app or card issuer so no further charges go through. RBI's rules require banks to let you withdraw an e-mandate at any time. What is the opportunity cost of a subscription? It is what the money could have become if you had invested it instead. INR 1,000 a month for 10 years is INR 1.2 lakh paid, but invested at an assumed 12% it could grow to about INR 2.3 lakh. The longer the horizon, the bigger the gap. ## Sources and assumptions - [Reserve Bank of India](https://www.rbi.org.in/) - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.