SaaS Subscription Cost Calculator
Software subscriptions add up fast. List your tools below to see what your stack really costs per month, per year, and over three years — plus how much annual billing could save you.
Most SaaS tools give 10–20% off when you pay yearly instead of monthly.
Your subscription spend
Total monthly
$150
Annual (billed monthly)
$1,800
Annual (billed yearly)
$1,530
Save $270/yr
3-year spend (monthly)
$5,400
3-year spend (yearly)
$4,590
Save $810
Tools tracked
3
Switching your 3 tools to annual billing at a 15% discount saves an estimated $270 per year, or $810 over three years.
Why total up your SaaS spend?
The average small business runs dozens of paid tools, and the monthly price tags feel small in isolation. Added together they are often one of the largest line items in a budget. Seeing the combined monthly, annual, and three-year numbers side by side makes it obvious which subscriptions are worth keeping and where switching to annual billing quietly pays for itself.
Once you know what the stack costs, weigh it against what each tool returns. Our Email Marketing ROI Calculator does the other half of the maths, and our side-by-side comparison tool helps you find a cheaper replacement for anything that is not earning its seat.
Frequently asked questions
How is my total annual SaaS cost calculated?+
For each tool we multiply its monthly price per seat by the number of seats, then add every tool together to get your total monthly cost. Multiplying that by 12 gives your annual cost when billed monthly. For example, three tools totaling $150/month come to $1,800 per year.
How much do I save by paying annually instead of monthly?+
Most SaaS vendors offer 10-20% off when you commit to annual billing. We apply your chosen discount to the yearly total. At a 15% discount, an $1,800/year stack drops to $1,530/year — a $270 saving every year, or $810 over three years.
What is the 3-year projected spend?+
It is your annual cost multiplied by three, shown for both monthly and annual billing so you can see the long-term impact of a subscription. It does not assume price increases, so treat it as a floor rather than a ceiling.
Does this account for per-seat pricing?+
Yes. Enter the price per seat and the number of seats for each tool, and the calculator multiplies them automatically. This is how most team SaaS plans are billed.