Calculator
Subscription vs one-time cost calculator
Compare subscription pricing to a one-time purchase, find the exact break-even month, and get a recommendation you can act on.
Loading calculator...
How to interpret the results
The recommendation is based on total cost over your selected usage period. If the break-even month occurs before your usage ends, the one-time option generally saves money. If the break-even month occurs after your usage ends, the subscription stays cheaper.
The delta cost clarifies how far apart the options are. When the delta is small, non-price factors like features, support, or flexibility may be more important than the dollar difference.
Scenario-specific calculators
Choose a real-world scenario to start with realistic defaults and guidance tailored to the decision.
Software subscription vs lifetime licenseDesign tool subscription vs perpetual licenseVideo editing suite: subscription vs one-timeOnline course membership vs one-time course purchaseFitness app membership vs one-time training planHome security monitoring vs upfront systemStreaming bundle vs buying individual titlesGym membership vs buying home equipmentSolar panels vs grid electricityCoworking membership vs home office setupCar lease vs buying outrightPrinter lease vs buying equipmentSmall business accounting software: SaaS vs desktopCRM subscription vs perpetual licenseCloud storage subscription vs local hardwarePhone plan subscription vs prepaid device