MoneyEXPERIMENT #SUBSCRIPTION-GRAVEYARD

Subscription Graveyard

Add your active recurring subscriptions and discover the staggering 10-year cumulative drain and lost compound growth on your wealth.

QUICK-ADD COMMON POPULAR SUBSCRIPTIONS

Click to add

YOUR RECURRING DRAIN (5 SERVICES)

₹5,482/month

🎬

Netflix (Standard)(Entertainment)

₹499/mo

🎧

Spotify Premium(Entertainment)

₹119/mo

🤖

ChatGPT Plus(Tech / AI)

₹1,999/mo

🏋️

Gym / Fitness Studio(Health)

₹2,500/mo

☁️

Apple One / iCloud(Tech / AI)

₹365/mo

1-YEAR DRAIN

₹65,784

12 monthly cycles

5-YEAR TOTAL

₹328,920

60 billing cycles

10-YEAR TOTAL

₹657,840

120 billing cycles

OPPORTUNITY COST AT 12% COMPOUNDED RETURN:

₹1,261,072

If you redirected your ₹5,482/month into a standard diversified index fund or SIP compounding at a historical 12% annual return, you would build ₹1,261,072 in pure personal net worth over 10 years.

💡 Recommendation: Cancel at least 1 unused service this month to free up instant cash flow.

HOW IT WORKS & METHODOLOGY

UNDERSTANDING THE MATH, FORMULAS & CALCULATION ENGINE

Tally Monthly Subscriptions

Select all your active streaming (Netflix, Spotify), productivity (iCloud, ChatGPT), gaming, and fitness apps.

Compounding Investment Simulation

Simulates what those recurring monthly charges would grow to if invested in an index fund at 8% annual return.

Vampire Subscriptions Audit

Identifies rarely used services draining $500–$2,000+ per year silently from your bank account.

FREQUENTLY ASKED QUESTIONS

EVERYTHING YOU NEED TO KNOW ABOUT THIS EXPERIMENT

Q1.What is subscription creep?↓

Subscription creep occurs when small recurring fees ($4.99 to $19.99/mo) accumulate over time until households spend an average of $219/month on auto-renewing digital services without realizing it.

Q2.How much does $50/month in subscriptions cost over 10 years if invested?↓

Investing $50 per month into an S&P 500 index fund compounding at 8% annual return yields approximately $9,147 after 10 years, and $29,451 after 20 years.

Q3.What is the best way to audit recurring subscriptions?↓

Export your last 3 bank and credit card statements, sort by recurring merchant names, and cancel any service not used in the past 30 days. You can always re-subscribe if needed.

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