Annual vs Monthly Subscription Calculator

About this calculator

An annual vs. monthly subscription comparison answers a question nearly every recurring-billing service forces on its customers: streaming platforms, SaaS tools, gyms, and cloud storage all price the same service two ways — a higher monthly rate you can cancel anytime, or a discounted annual rate you commit to and often pay upfront. The math is simple in isolation (monthly rate times twelve versus the annual price) but easy to get wrong when weighing the savings against the loss of flexibility.

This calculator takes your monthly price and your annual price and shows the total yearly cost under each plan, the dollar amount saved by committing annually, and the effective monthly rate you're really paying on the annual plan. That effective rate is the number worth comparing across competing services, since a nominally cheaper monthly plan can end up costing more per month than a rival's annual plan once the discount is factored in.