Latte factor, but honest
The tiny habit time machine
Pick a small habit, set the dials, and travel up to 40 years forward to see what it would have grown into. Not to guilt you. Just to show you the number.
Pick a small habit, set the dials, and travel up to 40 years forward to see what it would have grown into. Not to guilt you. Just to show you the number.
Pick a habit and how often you do it. We turn it into a monthly amount and show what that money would grow into if it were saved or invested every month instead. You choose the assumption: 0% (cash in a drawer), 4% (a savings account), or an assumed 7% for long-term investing (not guaranteed).
Small purchases won't make or break most people's finances on their own. Big costs like housing, transportation and debt usually matter more. But habits are where daily choices live, and seeing a habit's long-term cost is a useful nudge to make sure it's worth it to you. Often the answer is yes, and that's fine.
Monthly deposits, monthly compounding, returns not guaranteed, no taxes or fees. The ‘today's dollars’ figure assumes 3% yearly inflation.
It's a common planning assumption for long-term, stock-heavy investing. US stocks have historically averaged more than that before inflation and roughly that after inflation, but returns vary a lot year to year and aren't guaranteed. Use 4% or 0% for a more cautious view.
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