Lifestyle Inflation Calculator
How much each lifestyle upgrade costs you long-term.
Opportunity cost over 30 years
$609,985
What that money could grow to if invested instead
Total spent
$180,000
Foregone growth
$429,985
Spent vs invested
| Year | Total spent | Could have been |
|---|---|---|
| 5 | $30,000 | $35,796 |
| 10 | $60,000 | $86,542 |
| 15 | $90,000 | $158,481 |
| 20 | $120,000 | $260,463 |
| 25 | $150,000 | $405,036 |
| 30 | $180,000 | $609,985 |
Each monthly amount compounds for the remaining months at the given annual return. Real-world taxes and fees would reduce the invested side.
About
A new $100/month subscription doesn't sound like much. Over 30 years invested at 7% it's $122,000. This calculates the long-term cost of any monthly expense relative to investing the same amount.
How to use
- Enter the monthly spend (subscription, lease upgrade, etc).
- Enter the years and expected return.
- See the long-term opportunity cost.
FAQ
Should I cut every small expense?+
No. Spend on what matters. The point is awareness, not austerity. A $200 monthly habit you don't enjoy is worth questioning. One you love is fine.