More in Legal & Catastrophe
What this calculator does
Cable contracts charge early termination fees. This calculator shows how many months of streaming savings it takes to break even.
The math
Months to break even = ETF ÷ monthly savings.
Worked example
A $180 ETF with $80 monthly streaming savings breaks even in 2.25 months.
Why this matters
Legal and medical bills are stressful and opaque. This calculator gives you a starting number and a concrete next question to ask.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Can I negotiate the ETF?
Sometimes providers reduce or waive it if you complain or switch promotions.
What about streaming subscriptions?
Include only the net savings after paying for any streaming services.