Habit cost
Small daily spending adds up to big money. See what a habit costs over the years — and what you would have if you invested that money instead.
Spending and lost returns by year
Table
Why habits cost so much
It is not the purchase itself but its regularity and the lost returns: money spent on a habit every day could have been compounding for years.
You don’t need to give everything up. It is enough to see the price and decide what matters to you. Cutting a habit in half already gets you half the result on the chart.
Where else your money goes and how much of it you could put towards goals — Wealth Plan budget tracking and the financial checkup will show you.
Other calculators
Emergency fund
How many months your money lasts if your income stops, and until what date.
Calculate →Savings goal
How much to save each month for children’s education, a down payment or a car.
Calculate →Passive income and FIRE calculator
How much capital you need to live off it, and when you can stop working.
Calculate →Where should the savings go?
The financial checkup shows how much to save for your pension and goals and splits your money into three buckets for your risk profile. Free, 10 minutes.
FAQ
How do I calculate the cost of a habit?
Multiply the price of one purchase by the number of times per month — that is your monthly spend. The calculator adds price growth each year and shows how much you will spend over the whole period and how much you would have if you invested it.
What does daily coffee cost over 30 years?
At $6 a cup five times a week, that is about $130 a month. Over 30 years with rising prices it is more than $70,000 spent — and much more if invested at 7% a year. Exact figures for your habit are in the calculator.
Should I give up all my habits?
No. The goal is a conscious choice: keep what truly makes you happy and drop spending out of habit. Even a small cut, invested, makes a noticeable difference over 20–30 years.