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Annual vs Monthly Calculator

Should you pay annually or monthly? Calculate the real savings and get a personalized recommendation based on your usage patterns.

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Price per month if billed monthly

Total price for 1 year if billed annually

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Track All Your Subscriptions

RecurStop tracks your monthly and annual subscriptions, reminds you before renewals, and helps you decide what to keep or cancel.

Annual vs Monthly Billing: Which Should You Choose?

When to Go Annual

  • ✓ You're 80%+ certain you'll use it all year
  • ✓ The annual discount is 15% or more
  • ✓ It's an essential tool (like email, productivity apps)
  • ✓ You've used the service for 6+ months already
  • ✓ The service rarely has alternatives

Annual Billing Risks

  • ✗ Locked in for 12 months
  • ✗ Big upfront cost
  • ✗ Service might change or decline
  • ✗ Better alternatives might emerge

When to Stay Monthly

  • ✓ You're trying a new service
  • ✓ Your needs might change
  • ✓ The annual discount is less than 15%
  • ✓ You tend to forget about subscriptions
  • ✓ Cash flow is a concern

The Hidden Cost of Annual

Studies show that 40% of annual subscribers wish they had chosen monthly. The psychological commitment of paying upfront often leads to continued usage even when the service no longer provides value. Factor in the opportunity cost of that money tied up for a year.