Annual plans typically save 15-20%, but you pay upfront and lose flexibility. The key number is the break-even month: how long you must keep using the tool before yearly beats monthly.
Annual vs monthly billing calculator
Enter both prices. We’ll tell you the savings, and the break-even month.
Paying yearly saves
$0
12 months monthly$0
1 year upfront$0
Break-even - months of use
Rule of thumb
If you’re confident you’ll use a tool for at least 10 of the next 12 months, annual billing usually wins. For new tools, start monthly and switch once it’s part of your routine.
Frequently asked questions
Can I get a refund on an annual plan?
Policies vary: some vendors refund within a short window, many don’t. Check before you pay.