Million Dollar Habit Calculator.

The True Cost of Spending

That daily coffee isn't just $5, it's costing your retirement thousands. Use this calculator to see the true compound interest cost of your daily habits over 10, 20, or 30 years.

💡 Opportunity Cost

The real cost of a habit isn't the price on the receipt—it's the Compound Interest you lose by not investing that money over time.

👇 Pick a common habit (or enter your own)

🏷️ Cost ($)

📅 Frequency

⏳ Years you will keep doing this

📈 Growth Rate (%)

💸 Inflation (%)

🔒 Your data is private and never stored.

Total Lost Opportunity

Actual Cash Spent

Interest Foregone

If you invested this money instead, it could generate in passive income for you every single year forever.

Need a better budget? Grab my free spreadsheet.

Get The Spreadsheet

Want to cut 5 years off that number?

The math assumes 'Average' returns and 'Average' taxes. But you are a high-income professional.

Learning to optimize your portfolio and tax strategy can accelerate this timeline significantly.

Learn more about the Beginner Course