Small daily spends, big long-term numbers
A few pounds a day feels trivial — but multiplied by 365 and compounded over decades, it becomes a number that surprises people. This projects the total you'd spend on a habit and compares it to the same money invested at market returns.
The point isn't guilt about coffee. It's the opportunity cost of any recurring spend, so you can decide what's actually worth it.
What you're probably wondering
We multiply the daily spend by 365 and by the years chosen. The "if invested" figure puts the equivalent monthly amount into the market at roughly 7% a year.
Yes. Though we show examples (coffee, lunch, cigarettes), you can enter any daily spend.
Not at all. It's about the opportunity cost of any recurring spend — useful for perspective, not guilt.