More in Long Horizon
What this calculator does
This calculator shows the future cost of a small recurring spending habit. It also shows what that money would be worth if invested at an average return.
The math
Total spent = habit cost × frequency × 12 × years. Future value if invested = monthly habit cost × frequency × (((1 + monthly rate)^months − 1) ÷ monthly rate).
Worked example
A $6 daily habit done 22 times per month, invested at 7% over 30 years, could grow to over $170,000 instead of being spent.
Why this matters
Small decisions compound over decades. This calculator shows the long-term price of waiting or choosing the wrong path.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Does this mean I should never spend on habits?
No. It just shows the trade-off so you can decide if the habit is worth the long-term cost.
What counts as a habit?
Any recurring spending: coffee, snacks, subscriptions, rideshare, etc.
How accurate is the future value?
It is a mathematical projection based on the assumed return. Actual returns will vary.