Calculators
Subscription Cost Calculator
Total recurring subscriptions, the FX markup on foreign-currency renewals and a planned cut.
Total monthly cost
70.70 USD
FX markup cost / month
0.70 USD
Total annual cost
848.40 USD
Annual cost after the cut
636.30 USD
| Base monthly subscriptions | 70.00 USD |
|---|---|
| FX markup cost / month | 0.70 USD |
| Potential annual saving | 212.10 USD |
Decision framework
Use this calculator to total your recurring subscriptions, including the hidden FX markup on foreign-currency renewals.
Recurring costs leak a nomad budget because they renew silently, often in foreign currencies that add a card FX markup on every charge. Totalling them, seeing the annual figure and modelling a planned cut turns vague spending into a number you can act on.
A typical nomad subscription stack
With 40 USD of SaaS, 20 USD of streaming and cloud, and 10 USD of roaming/eSIM per month, half billed in a foreign currency at a 2% card markup, the annual cost is over 800 USD — and a 25% cut saves a meaningful amount every year.
Before and after the audit
- Gather recurring charges from card, app store and PayPal statements.
- Note which subscriptions are billed in a foreign currency.
- Cancel anything unused since your last review.
- Pay foreign-currency subscriptions from a matching-currency balance where you can.
Related next steps
FAQ
Why include an FX markup?
A subscription billed in a currency you do not hold adds your card’s FX markup on every renewal, so it costs more than the sticker price.
Is the saving guaranteed?
No. The cut figure is an illustration of what trimming a share of subscriptions would save; actual savings depend on what you cancel.
How often should I run this?
A quarterly check is usually enough to stop subscription creep, plus a quick look before a long trip.