Small spends, big numbers
A daily expense looks trivial, but multiplied over years it becomes a number that stings. This tool projects what a habit adds up to — smoking, food delivery, the daily coffee — and compares it to what it could have returned if invested.
The point isn't guilt: it's to size the opportunity cost, the money that could have grown instead of disappearing.
What you're wondering
We multiply the daily spend by 365 days and the number of years. The "if you invested it" column applies an estimated market return (~10% a year) to show the opportunity cost.
Yes. We offer examples (cigarettes, food delivery, coffee), but you can enter any daily spend.
No. It is meant to size the opportunity cost — useful for perspective, not judgment.