Monthly vs Yearly Subscription Calculator: Which Plan Is Cheaper?
Free tool · Updated October 2, 2026 · By CouponTalk
Your result
Enter your measurements to see your result.
Quick answer
A yearly plan only saves money if you use it long enough. With ₹199 a month or ₹1,499 a year, the yearly plan pays off after 7.5 months. If you will use it for 8 months or more, pay yearly; for a few months around a cricket season or a series release, pay monthly and cancel.
How to use this calculator
- Enter the monthly and yearly prices from the app.
- Be honest about how many months you will use it.
- Pick the cheaper plan and set a reminder before renewal.
Formula
Monthly cost = monthly price × months used
Break-even months = yearly price ÷ monthly price
Prices change often. Check the current plan price in the app before you pay.
Frequently asked questions
Do yearly plans auto-renew?
Most do, through UPI AutoPay or card mandates. You can cancel auto-renewal in the app or in your UPI app's mandates list.
Are quarterly plans worth it?
Treat a quarterly plan as 3 monthly payments and compare the per-month price.
Can I share a subscription?
Only if the plan allows it. Family plans are often cheaper per person.
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