Lifestyle Opportunity Cost

Every time you spend money on a daily habit—like a $5 coffee, a $15 lunch, or a $30 streaming subscription—you are not just losing that money, you are losing the opportunity to invest it. Over time, thanks to the power of compound interest, small daily expenses can cost you hundreds of thousands of dollars in missed wealth.

Select a common daily or monthly expense (or enter a custom amount). Then, choose an asset like the S&P 500, Apple, or Bitcoin. The calculator will show you exactly how much money you would have today if you had skipped that expense and invested the money instead over the last few years.

This tool isn't meant to stop you from enjoying your life—but it is designed to help you understand the true cost of consumption versus the incredible power of consistent investing.