Frequently Asked Questions
How is the total cost of a habit calculated?
It multiplies your cost per occurrence by the number of times per week, by 52 weeks, by the number of years: cost × times-per-week × 52 × years. This shows the raw lifetime spend.
What is the "if invested instead" figure?
It converts the habit into an equivalent monthly contribution and grows it as an investment at your chosen annual return, using the future-value-of-an-annuity formula. It shows what the same money might have become if invested.
What is the opportunity cost?
It is the difference between the invested future value and the raw amount spent - the extra wealth the habit silently traded away by being consumed rather than invested.
Should I really quit small purchases to get rich?
Cutting a habit only builds wealth if you actually invest the freed-up money. The figures ignore fees, taxes, and inflation and assume steady returns markets never deliver smoothly. This is educational, not financial advice.
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Estimates for informational purposes only.
Important Disclaimer: Estimates for informational purposes only.
This calculator provides estimates for informational purposes only. Results are based on assumptions and may not reflect actual outcomes. Consult qualified professionals in relevant fields before making important decisions based on these results.