Spotify Premium can still be worth it for daily music listeners, students, families, commuters, and anyone who relies on ad-free music or offline downloads. But if you mostly listen to podcasts, rarely open the app, or already pay for another music service, it may be time to cancel or downgrade.

Apple Music and Spotify overlap a lot, but they are not identical. Here is when Apple Music is worth paying for if you already have Spotify — and when it is just another recurring charge.