Habit Cost Calculator
Price a repeated purchase per month, per year and over a decade, and compare it with investing the money.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Price a repeated purchase
Your projection
$1,690 a year
Per month
$140.83
Spent over 10 years
$16,900
Value if invested
$21,869
This is a price, not a verdict. A habit that is worth its annual cost to you belongs in the plan. The exercise is for the ones you would not have chosen at that price.
About this tool
Method, assumptions, practical next steps, and limits.
A price, not a verdict
Small repeated purchases are easy to underestimate because each one is small. Seeing the annual price lets you decide whether the habit is worth it, which is a different question from whether it is cheap.
How the calculation works
Monthly cost = price × times per week × 52 ÷ 12
A $6.50 coffee five times a week is $140.83 a month and $1,690 a year. Over ten years that is $16,900 spent. The same monthly amount invested at 5% would grow to about $21,900.
The trade-off
The invested figure assumes a steady return that real markets do not deliver, and it assumes the money would really have been invested. Keep the habits you value at their full price. Cut the ones you would not have chosen at that price.
