Enter a price and how often you pay it to see the cost per day, month and year. Add more charges to see your total.
This tool runs entirely in your browser. What you enter is never sent anywhere.Your input is never sent anywhere.
DetailsCompare Monthly, Annual and Daily Costs on One Scale
Recurring costs show up on different schedules: a streaming plan billed monthly, a membership billed once a year, an insurance premium billed every six months. A $9.99 monthly charge looks smaller than a $99 annual charge, yet it adds up to more over a year. This calculator puts every charge on the same timeline, from cost per day to cost over three years, so you can see what you actually pay and decide whether each one is worth keeping.
When to Convert a Recurring Charge
Add up small subscriptions
Five $8 plans look harmless one at a time. Add them all to see the combined monthly and yearly total.
Turn an annual bill into a monthly budget
Car insurance, domain renewals and yearly memberships arrive in one lump. Convert them to a monthly amount you can set aside.
Choose between a monthly and an annual plan
Enter both prices, uncheck one, and compare the cost per year before you commit.
Check a "just a dollar a day" pitch
Enter the daily price and read the monthly and yearly cost, so you know what the number adds up to on your statement.
How to Convert a Price to Another Billing Period
- Enter the price you pay, including cents (for example, 9.99).
- Choose how often you pay it: per day, week, month, quarter, year, or another period in the list.
- Add a name if you like, then select Add to list.
- Read the totals at the top. Each item card shows its own conversion, and unchecking an item removes it from the total.
Note: Your list is saved in this browser automatically, so it's still there when you reload the page.
How the Math Works and What It Leaves Out
- Days per period: a year is 365 days, a month is 365 ÷ 12 (about 30.42) days, a quarter is 91.25 days and six months is 182.5 days. Leap years are ignored.
- Amounts are shown to the nearest cent. The combined total adds the unrounded values first, so it can differ by a cent from the sum of the figures on screen.
- Sales tax, fees, promotional pricing and future price increases aren't included. Enter the amount you actually pay each billing period.
- Your list is stored in this browser's localStorage. It doesn't sync between devices, and clearing site data removes it.
Example: Same Charge, Different Time Scales
These example amounts show how one price looks when it's converted to other periods.
| Price | Per day | Per month | Per year | Over 3 years |
|---|---|---|---|---|
| $9.99 per month | $0.33 | $9.99 | $119.88 | $359.64 |
| $99 per year | $0.27 | $8.25 | $99.00 | $297.00 |
| $1 per day | $1.00 | $30.42 | $365.00 | $1,095.00 |
| $20 per week | $2.86 | $86.90 | $1,042.86 | $3,128.57 |
The $9.99 monthly plan costs $20.88 more per year than the $99 annual plan. A plan priced at $1 a day costs $365 a year.
Buy Once or Subscribe? Finding the Break-Even Point
A few simple formulas help you compare options that are billed differently.
One-time purchase vs. monthly fee
Divide the one-time price by the monthly fee to get the number of months until buying pays off. For example, a $240 one-time purchase vs. a $12 monthly fee breaks even at 20 months. If you expect to use it longer than that, buying costs less. Updates, support and resale value aren't part of this math.
Monthly billing vs. annual billing
Multiply the monthly price by 12 and compare it with the annual price. At $9.99 × 12 = $119.88 vs. $99, the annual plan saves $20.88 a year. Annual plans are paid upfront, so check the refund terms before you pay.
Cost per use
Divide the yearly cost by the number of times you use the service in a year. A $155.88 yearly cost used once a week (52 times) comes to about $3.00 per use.
Common Mistakes With Recurring Charges
Judging a plan by its monthly price
A charge of $5 or $10 a month feels small, so it's easy to sign up without a second thought. A few of them together can add up to hundreds of dollars a year.
💡 See the solution▼
Taking a "just a dollar a day" pitch at face value
Sales pitches often quote a daily price because it sounds tiny. The bill that arrives is the monthly or yearly amount.
💡 See the solution▼
Treating an annual bill as a one-month expense
Yearly charges such as insurance, domain renewals and memberships land in a single month. If you only record them in that month, your budget looks fine until the bill arrives.
💡 See the solution▼
Forgetting a free trial that turned into a paid plan
A free trial often renews at the full price unless you cancel. The charge can run for months before you notice it on a statement.
💡 See the solution▼
Questions About Converting Billing Periods
Q.How does the calculator convert between billing periods?
A. It divides your price by the number of days in the period you pick, then multiplies by the number of days in each other period. A year is 365 days, a month is 365 ÷ 12 (about 30.42) days, a quarter is 91.25 days, six months is 182.5 days, and a week is 7 days. Leap years are ignored.
Q.Can I compare a monthly plan with an annual plan?
A. Yes. Add both plans, then uncheck the one you don't want counted in the combined total. Each item card shows its own cost per month and per year, so you can compare the two plans directly.
Q.Does the cost include sales tax or fees?
A. No. The calculator only converts the number you enter. If your bill includes tax or fees, enter the full amount you pay each billing period.
Q.Is my list saved, and does it leave my device?
A. The names and amounts you enter are saved in your browser's localStorage on this device, so the list is still there when you reload the page. It isn't synced to other browsers or devices, and clearing your site data deletes it.
Q.Can I use a currency other than US dollars?
A. The math is the same for any currency, but the calculator shows a $ sign and doesn't convert exchange rates. Enter amounts in a single currency and read the $ as that currency.
Q.Is there a limit on how many charges I can add?
A. The calculator doesn't set a limit. In practice the limit is the storage space your browser allows for this site, which is far more than a typical household or business expense list needs.
Your feedback
makes this tool better.
Tell us which features you'd like, what should be fixed, or which new tool you'd like to see. An engineer reads every submission and uses it to guide development.