SPENDING THAT REPEATS
What does this cost over time?
A subscription, regular purchase or change in your bills. See the yearly cost and what investing that amount could mean.
YOUR MONEY. YOUR CHOICES.
Make the numbers
mean something.
Understand a recurring cost. Compare where your money could go. See the effect of paying down debt. Start with the question that matters to you.
Free to use. No account required. Calculations stay in your browser. Choose every assumption yourself.
WHERE YOUR MONEY GOES
Compare two places for your money.
Cash, a savings account or an investment. Use your own returns and see what each could buy after inflation.
DEBT AND INTEREST
What changes when you repay more?
Estimate how long a debt takes to repay and the interest it costs. Change the payment to explore another option.
Spend it now, or invest it for 20 years?
See what that money could become in a world stock index fund, after inflation.
$25,443 less
in 20 years, in today’s money, if you spend it now.
What this money could become if invested
Assumes 4.78% a year after inflation. Stock markets rise and fall; the smooth curve is not a guaranteed result.
How this is calculated
The future amount includes the purchase price and its potential investment growth. The example assumes reinvested returns, no personal investment tax, no borrowing and no resale value for the purchase. Return assumption and sources
BRING THE PIECES TOGETHER
What does this mean for your whole plan?
Combine income, spending, savings and investments to explore the years ahead.