What is your lifestyle costing you?
Not "today" — over a working lifetime. Plug in your income, current savings rate, and the small recurring expenses. See the years of freedom each one is silently buying back.
That's the alternate-universe net worth of the same dollars compounded at 7% real return for 30 years. The recurring expenses aren't "$530/mo" — they're $600,771 not in your future.
The trap nobody flags
Personal-finance traps don't come with a "fade me" alert. They come with branding, convenience, and a $9.99 monthly charge that auto-renews forever. The math of compounding turns small recurring expenses into entire years of working life you're trading away.
This calculator uses a standard future-value-of-an-annuity formula. It doesn't account for inflation explicitly — we recommend entering a real return rate (return after inflation, typically 5–7% historically for diversified equity).
Not financial advice. For entertainment and educational purposes only.