- Destiny 1: $59.99
- Destiny 1 Expansion Pass (Dark Below + House of Wolves): $34.99
- Destiny 1 Limited Edition (bundled): $99.99
- Destiny 1 Digital Guardian Edition (bundled) $89.99
- Destiny 2: $59.99
- Destiny 2 Expansion Pass (Curse of Osiris + Warmind): $39.99
- bundled together: $89.99
- Limited Edition/Digital Deluxe Edition: $99.99
- Forsaken: $39.99
- Forsaken Annual Pass (Seasons: Forge, Drifter, Opulence): $34.99
- Forsaken + Annual Pass: $69.99
- Shadowkeep: $34.99
- Shadowkeep Digital Deluxe (all seasons): $59.99
- Beyond Light: $39.99
- Beyond Light + 1 Season: $49.99
- Beyond Light Digital Deluxe (all seasons): $69.99
- 30th Anniversary Pack (stand alone): $24.99
- Witch Queen: $39.99
- Witch Queen Deluxe (all seasons + dungeons): $79.99
- Witch Queen Deluxe + 30th Anniv.: $99.99
- Lightfall: $49.99
- Lightfall + Annual Pass (all seasons + dungeons): $99.99
- The Final Shape: $49.99
- The Final Shape + Annual Pass (all episodes + dungeons): $99.99
So before any sort of tax, the most efficient combination to have owned and played all content (including past seasons) as they came out:
Up to Lightfall: $649.91
Including TFS: $749.90
That's not accounting for any microtransaction spending of course. And tax. And that's all USD, bought in the US prices, not converted in any way. So on average about $74.99/year, or ~$6.25/month pre-tax to play everything when broken down into continuous payments over a 10 year span.
Edit: Corrected numbers due to incorrect Beyond Light Deluxe price.