📖 Overview
Use this calculator to choose billing cycles based on expected retention period.
⚙️ How It Works
This compares total spend between monthly billing and annual billing over your expected usage duration.
The Formula
Monthly Total = Monthly Price × Months | Annual Total = CEIL(Months ÷ 12) × Annual Price
💡Annual plans typically save 15–25% if you stay subscribed for the full year. Below the break-even point, the monthly plan is cheaper despite the higher per-month rate.
Quick Reference
| Usage | $12/mo vs $100/yr | $20/mo vs $180/yr | $50/mo vs $450/yr |
|---|---|---|---|
| 6 months | $72 vs $100 | $120 vs $180 | $300 vs $450 |
| 12 months | $144 vs $100 | $240 vs $180 | $600 vs $450 |
| 18 months | $216 vs $200 | $360 vs $360 | $900 vs $900 |
| 24 months | $288 vs $200 | $480 vs $360 | $1,200 vs $900 |
Practical Tips
💡 Match plan choice to expected retention period.
💡 Include cancellation risk in the decision.
Frequently Asked Questions
❓ Can annual still lose money?
Yes, if usage period is shorter than break-even duration.
❓ Why round annual periods?
You usually pay annual plans in full-year increments.