The Reality Check

See the cost of your "wasted" cash over time.

The Inputs

Monthly Investments ($)

Wasted Spending ($)

Subscriptions, takeout, fees you could avoid.

Timeline (Years)

Return Rate (%)

Potential Wealth Burned

$17,409

That's what your "waste" could have grown to. Ouch.

This calculator shows two things at once: what your regular investments could grow to, and what your "wasted" spending could have grown to if invested instead.

The "wasted spending" field is for recurring expenses you could reasonably cut — things like unused subscriptions, daily takeout, or avoidable fees. It's not about guilt; it's about making the opportunity cost visible so you can make an informed choice.