Streaming Cost Tracker
Select every subscription you're paying for. We'll calculate your real monthly and annual spend — then show you exactly where you're overpaying and what to cut or switch.
Why Most People Underestimate Their Streaming Bill
Studies consistently find that people underestimate their total subscription spend by 30–40%. The reason is simple: subscriptions are designed to be invisible. Each individual charge is small enough to dismiss, free trials roll into paid plans quietly, and price increases arrive in an email most people ignore. By the time you add everything up, the average US household is spending over $130 per month on streaming and subscriptions.
The biggest sources of waste are services with significant overlap (multiple live TV bundles, or both Hulu and Hulu Live TV), premium ad-free tiers where the cheaper ad-supported tier would serve you equally well, and services you signed up for one show that ended months ago. This tracker surfaces all three.
The Disney Bundle: Biggest Money-Saver Most People Miss
The Disney Bundle (Disney+ + Hulu + ESPN+) costs $25.99/month with ads or $38.99/month without ads. Subscribing to all three services separately costs $26.97/month with ads — only $1/month more, but the no-ads bundle saves up to $14/month versus buying all three ad-free individually ($52.97/month). If you have two of the three Disney Bundle services, you are almost certainly overpaying.
Similar bundle logic applies to Amazon: Amazon Prime ($14.99/month) includes Prime Video, free two-day shipping, Prime Music, Prime Reading, and free Twitch subscription. If you are paying $8.99/month for Prime Video standalone and also paying for Amazon shipping, switching to full Prime membership saves money immediately.
Ad-Supported vs Ad-Free: Is It Worth the Premium?
Most major streaming services now offer an ad-supported tier at a significantly lower price. The actual ad experience varies considerably.
4–5 minutes of ads per hour. Same content library with minor exceptions (some licensed titles unavailable in ads tier). Full HD quality. For most viewers this is a perfectly acceptable trade-off.
Ads on most content. Some on-demand content is ad-free even on the ads tier. Hulu's ad load is heavier than Netflix — 8–12 minutes per hour on some content.
Approximately 4 minutes of ads per hour. HBO Original content is ad-free even on the ads tier — ads only appear on Warner Bros. and other licensed content.
Around 4 minutes of ads per hour. Children's content (Marvel, Pixar, Disney Animation) is entirely ad-free even on the ads tier — only general content carries ads.
Moderate ad load — 5 minutes per hour. Live sports on Peacock are included on the ads tier. Premium Plus adds downloads and live NBC local channels.
CBS shows have ads; Paramount+ originals are ad-free. Essential tier does not include Showtime content or local CBS live. For Paramount originals only, Essential is sufficient.
Frequently Asked Questions
Prices shown are standard monthly rates as of March 2026. Many services raise prices annually. Always edit the price field to match your actual bill — especially if you're on a grandfathered plan, student discount, or promotional rate. Your edited prices are used for all calculations and suggestions.
The Disney Bundle includes Disney+, Hulu (with ads), and ESPN+ for $25.99/month — or Disney+, Hulu (no ads), and ESPN+ for $38.99/month. Sign up at disneyplus.com and select "Disney Bundle" at checkout. If you are already a Hulu subscriber, you can bundle from the Disney+ signup page and your Hulu subscription converts automatically. You cannot add ESPN+ to an existing individual Hulu or Disney+ plan without going through the bundle page.
Yes. Amazon Prime ($14.99/month or $139/year) includes Prime Video, free two-day shipping, Prime Music, Prime Reading, and other benefits. Prime Video Standalone ($8.99/month) includes video only. If you are paying for both, you are paying twice. If you pay for Prime Video standalone but use Amazon for shopping, switching to full Prime membership costs only $6/month more and adds free shipping.
Services with a worthwhile annual discount: Apple TV+ (monthly $9.99 vs ~$99/year = saves ~$21/year), Paramount+ (monthly vs annual saves ~$12/year), Peacock (saves ~$12/year), Crunchyroll (saves ~$20/year), CuriosityStream (saves ~$24/year), NBA League Pass (heavily discounted out of season), and Nintendo Switch Online (saves ~$28/year vs monthly). Netflix, Hulu, Max, and Disney+ do not currently offer annual billing discounts.
The major free ad-supported services (FAST) include: Tubi (20,000+ titles), Pluto TV (250+ live channels), Peacock Free (limited library), Amazon Freevee (rotating titles), The Roku Channel (originals + live TV), Samsung TV Plus (if you own a Samsung TV), Plex (free with account), Crackle, and Kanopy (free via public library — includes The Criterion Collection in some areas). Many people pay for services that overlap significantly with what's available free.
