Savings calculator
Enter a small recurring expense — a latte, a lunch, a leftover subscription — and see the yearly leak, the lifetime total, and what that money becomes if you invest it instead.
Lifetime assumptions
Used on every calculator. Change them once and they stick in this browser.
35
40
7.0%
Horizon runs from age 35 to about 75. Default 7% is a long-run stock-market illustration, before inflation and taxes.
Lifetime benefit
Invested at 7.0% for 40 years, this cut becomes four years of in-state college, or a large chunk of a home.
- Per year
- $731
- 40-year total, no interest
- $29,220
- If invested for life
- $159,786
Solid line: invested. Dashed line: cash stuffed in a drawer.