Calculators › What a daily habit is worth
What a daily habit is worth
Small daily costs add up, and invested money grows. Put in a daily amount and see both.
Works in your browser; nothing you type is sent anywhere. Today's dollars. Not financial advice.
See habits on a whole money pathThe point isn't the coffee
Nobody needs to give up everything. The numbers show the trade-off so it's a choice, not an accident: what a habit costs over decades, and why starting to invest early matters more than the amount.
How it's figured
The daily cost × 365 is invested at the end of each year and grows at the return you choose, in today's dollars (after inflation). 5% after inflation is a common long-run assumption for a stock-heavy portfolio, not a promise.
Questions
What is $5 a day worth over 40 years?
About $73,000 spent; invested at 5% a year after inflation, about $220,000.
How much does smoking cost a year?
A pack a day at about $9 is around $3,300 a year, before any health costs.
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