What's This Really Costing You?
See what any purchase is really costing you - today, and as money that could've grown for years.
That daily coffee, the stack of subscriptions, the thing in your cart. What is it really costing you? Not just today, but over the years that money could've been growing. Punch it in and see.
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Illustrative, not a prediction. Assumes a steady 7% average annual return. Real markets go up and down. Not financial advice.
Common questions
What is the “true cost” of a daily habit like coffee?The true cost isn’t just what you pay. It’s what that money could have become if you’d invested it instead. A $5-a-day habit is about $1,825 a year; invested at a 7% average return, that’s roughly $26,000 in 10 years and $185,000 in 30. This tool runs that math for any purchase.
How much could I save by cutting a subscription?More than the sticker price. A $15-a-month subscription is $180 a year. But the real cost is the growth you give up by not investing it. Enter the amount and how often above to see the 10- and 30-year figure.
What return does this calculator assume?A steady 7% average annual return, roughly the long-run historical average of a broad stock market index. It’s an illustration, not a prediction, real markets go up and down, and it isn’t financial advice.