Your Spending vs. Your Future
See how much your regular spending habits could be worth if invested in the market instead.
Enter your habit details
Fill out the form on the left to see how your spending habits could transform into wealth over time.
Frequently Asked Questions
How accurate is this calculator?
This calculator uses historical average returns of the S&P 500 to estimate potential investment growth. Actual results may vary based on market conditions, fees, taxes, and other factors. We recommend consulting with a financial advisor for personalized advice.
What is compound interest?
Compound interest is the interest on a loan or deposit calculated based on both the initial principal and the accumulated interest from previous periods. This is how investments grow exponentially over time when returns are reinvested.
How should I start investing?
If you're new to investing, consider starting with a diversified, low-cost index fund. Many experts recommend beginning with emergency savings, then contributing to tax-advantaged retirement accounts, and then expanding to other investment vehicles. Consider consulting with a financial advisor to develop a strategy suited to your needs and goals.
Why should I upgrade to premium?
The premium version unlocks powerful features including investment milestone tracking, personalized goal calculators, and the ability to compare multiple habits simultaneously. These tools provide deeper insights into your financial future and help you make more informed decisions about your spending and saving habits.
What is the average return of the stock market?
Historically, the S&P 500 has returned an average of about 10% annually before inflation, or approximately 7% after inflation. However, returns can vary significantly year-to-year, and past performance doesn't guarantee future results.