Small daily spends, big long-term numbers
A few dollars a day feels trivial — but multiplied by 365 and then compounded over decades, it becomes a number that surprises people. This tool projects the total you'd spend on a habit and compares it to the same money invested at market returns.
The point isn't to make you feel bad about coffee. It's to show the opportunity cost of any recurring expense, so you can decide what's actually worth it.
What you're probably wondering
A popular personal-finance idea: small daily spends, invested instead, can grow into a surprisingly large sum over decades thanks to compounding.
It invests the equivalent monthly amount at roughly the long-run stock market average (~10%). Lower assumptions give smaller, more conservative results.
Not at all. It's about the opportunity cost of any recurring expense — useful for perspective, not guilt.