Calculate the Opportunity Cost of Periodic Spending Habits

Money can work for you or against you. Seemingly trivial small expenses which are frequently repeated can add up to major costs as the money is gone once it is spent & can no longer work for you. This calculator helps to show the full opportunity cost of seemingly small expenses.

The table beneath the calculator lists current interest rates on savings accounts and Certificate of Deposit (CD) investments. These returns can be used to set a floor on your opportunity cost. The stock market returns nearly 10% per year & investing in repaying your debts can provide even higher returns.

Cost of a good or service you regularly purchase:
How often do you make this purchase? every
Current Savings Interest Rate (APR %):
Years to Calculate Opportunity Cost:
Total Spent:
Forgone Interest:
Real Cost:


Savings Rates


Depleted Savings.