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So it's not really a cancellation fee, but is that how they message it?

If I see: "Annual Subscription - $120/year, billed $10/month" I assume I'm paying $120 even if I cancel after 6 months.

But, if I cancel after 6 months, and the message to me is "$60 cancellation fee", I'm very confused - I thought I was paying the remaining $60 I owe them...? The amount may be the same but it's confusing nonetheless.

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Wait, so you'll pay the $60, and then, will you lose access?
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Any time I've had a similar subscription, you retain access for the full period.

The messaging has usually been something like: "Annual subscription cancelled at the end of current period. Access ends on 12/31/2026" (even if today is 6/1/2026)

That's why the "cancellation fee" comment is weird to me - there's no need to message that way, since "pay the rest of the committed period" seems to be a common (and at least to me, very understandable) way to handle this.

Even with monthly services, I don't think I've ever had an immediate loss of access - it's there until the end of the billing cycle. As it should be, IMO. The only exception would be if I force-deleted my account as well as that's a very explicit "I'm done-done" signal to the service provider.

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Probably? There are services that are relatively nice and will let you use your membership until the last day (even for trials!), but there's also others that are non-refundable and will just yank your access.
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Hm so you're saying all the SaaS runners should put "Lifetime, paid monthly" in small print under their price? Bam, goodbye churn.
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The cancellation fee is usually the part that's buried.
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Maybe years ago, but today it very plainly says:

>Fee applies of half your remaining annual commitment if you cancel after Nov 01

and for the prepaid option

>No refund if you cancel after Nov 01

https://www.adobe.com/#mini-plans-web-cta-creative-cloud-car...

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> They should for sure list the annual price and the monthly price but it's not "burried".

Buried prices are the next frontier of consumer protection. I've gotten burned by looking up a store product online and then when attempting to purchase finding that unless you ordered it through the site for in-store pickup, you get a higher price. Car dealerships were the same the last time I bought one. And while I appreciate Tesla's challenge in expressing TCO, subtracting average fuel costs from the price of a car smells bad in the same way.

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Seems intentionally manipulative.
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