Save Money by Sharing Subscriptions with Friends & Family

Sharing subscriptions is an easy way to save money every month. Many services offer family plans or multi-user accounts. If you’re not taking advantage of them, you’re leaving money on the table.

How Subscription Sharing Works

Some services allow multiple users under one account, while others require a family plan. Each platform has different rules, such as living in the same household, but the key is knowing which ones make sharing easy and which don’t.

Popular Subscriptions That Allow Multiple Users

Here’s a breakdown of the most popular subscriptions that support multiple users:

Streaming Services

❶ Netflix – Standard and Premium plans allow multiple profiles and simultaneous streams. But Netflix restricts account sharing outside of one household.

❷ Hulu – Hulu’s Live TV plan supports multiple screens, but you may need an add-on for unlimited streams.

❸ Disney+ – Up to four devices can stream at the same time. You can also create seven profiles.

❹ HBO Max (now Max) – Three simultaneous streams and up to five user profiles per account.

❺ Amazon Prime Video – Part of an Amazon Prime membership, which can be shared with one other adult in a household.

Music & Audio Streaming

❶ Spotify Family Plan – Up to six accounts under one plan for people living at the same address.

❷ Apple Music Family Plan – Six people can share, and each person gets their own personalized recommendations.

❸ YouTube Music Premium – Family plan includes up to six people at a lower per-person cost.

❹ Audible – You can share audiobooks through Amazon Household, but not a full subscription.

Shopping & Delivery Services

❶ Amazon Prime – Share benefits like free shipping, Prime Video, and Prime Reading with one other adult through Amazon Household.

❷ Walmart+ – Can be shared with one other person in your household.

❸ Instacart+ – Allows two people to share benefits like free delivery and reduced service fees.

Software & Productivity

❶ Microsoft 365 Family – Up to six users get access to Word, Excel, and cloud storage.

❷ Google One – Family plan lets you share storage and premium support with up to five people.

❸ Dropbox Family – Share cloud storage among six members with individual accounts.

❹ Adobe Creative Cloud – Discounted pricing is available for team plans, but family sharing isn’t an option.

Fitness & Wellness Apps

❶ Peloton – Membership covers multiple household members using the same equipment.

❷ Apple Fitness+ – Share with up to five family members via Family Sharing.

❸ Calm – Family plan allows up to six users.

How to Split Costs Fairly

Use apps like Splitwise or Venmo to track payments.
Set clear expectations on when payments are due.
Only share with trusted friends or family to avoid payment issues.
Keep it simple—split the cost evenly or assign amounts based on usage.

Is Subscription Sharing Worth It?

Think about how much you actually use each service. If you’re paying for subscriptions you rarely use, consider canceling and joining a shared plan instead.

A few dollars saved per month might not seem like much, but add up all your subscriptions, and you’ll see how much you can cut down on expenses.