Finance

Subscription True Cost Auditor

See what your recurring subscriptions really cost over 10 years, including the investment returns you give up by spending that money instead of investing it.

Subscription Monthly Cost Frequency
The S&P 500 has historically averaged ~10% annually; 7% accounts for inflation. Adjust to your preference.

What Is Opportunity Cost?

Opportunity cost is the return you give up by spending money instead of investing it. A $15/month streaming service does not cost just $180/year. Over 10 years, investing that $15/month at 7% annual return would grow to approximately $2,480. That is the true cost of keeping the subscription.

Compounding matters: At 30 years, $15/month becomes over $18,000 at 7% average return. The longer the time horizon, the more dramatic the difference between spending and investing.

This is not a call to cancel everything you enjoy. It is a transparency tool. Knowing the full cost helps you make deliberate choices about what is truly worth it.

Investment return projections are hypothetical and not guaranteed. Past market performance does not predict future results. This tool is for educational purposes only. Cook Media Systems accepts no liability. See Disclaimer and Terms.