Gen Z and millennials in urban India spend thousands monthly on subscriptions, which have become a major recurring expense for households. The subscription economy creates a paradox: each service appears affordable in isolation, but together they can quietly consume a sizeable share of monthly income. What began with Netflix and Spotify has evolved into a lifestyle where consumers pay monthly for convenience, productivity, wellness, and even identity. For India's Gen Z and millennials, subscriptions are no longer discretionary purchases but are increasingly part of everyday financial planning. However, as the number of monthly payments grows, so does the risk of "subscription creep," where small recurring charges add up to a significant portion of disposable income. The spending patterns reveal how different generations prioritise digital services, with AI tools emerging as a growing and essential subscription category.