What This Habit Costs: A $4 coffee most workdays: what's that a year?

The coffee, the lunch, the Friday takeaway, added up over a year and over five. Then three very different answers to 'what if I'd saved it instead', clearly labelled as the assumptions they are rather than one confident number nobody can actually promise.

WHAT YOU GET

- As many habits as you like, each marked keep or count

- A week, a month, a year, and up to twenty years ahead

- Three growth assumptions side by side, including the jar, which can't be wrong

- Compounded from the twelfth root of the yearly rate, not the lazy divide-by-twelve

- And the same total in hours of your life, if you put your pay in

HOW IT WORKS

1. List the things you buy without thinking: What one costs, and how often.

2. Mark the ones you'd consider stopping: The total only counts those.

3. Look at all three columns: They're assumptions, not forecasts, and it says so.

One file. Double-click it and it opens in the browser you already have: Chrome, Edge, Safari or Firefox. Nothing to install, no account, no subscription.

Nothing you type ever leaves your computer. There is no server involved, which is why it still works with the wi-fi switched off.

30-day refund, no questions asked.