True Cost of a Habit Calculator
Calculate the real cost of daily habits like coffee, smoking, or subscriptions.
See how much you would have if you invested that money instead.
True Cost of Your Habit
Simple cost:
Annual cost = Daily cost × 365
Opportunity cost (if invested instead):
Future Value = Daily × 365 × [(1 + r)^n - 1] / r
This uses the future value of an annuity formula — the money you would have if you invested each year’s savings.
Eye-opening examples (at 8% return over 30 years):
- $5/day coffee → $223,000
- $15/day smoking → $669,000
- $4/day streaming subscriptions → $178,000
The point is not to stop enjoying things — it is to make conscious choices about where your money goes, knowing the true long-term cost.