Lifestyle · Utility calculator
Is This Habit Actually Expensive?
Convert a recurring habit into monthly, annual, projected, and opportunity-cost numbers.
Instant result
Plain-English why
Copyable takeaway
What this means
The opportunity value assumes the monthly equivalent is saved or invested at the selected return.
Formula used
Annual cost = cost each time x annual occurrences. Opportunity value invests the monthly equivalent.
Worked example
£3.50 coffee five times a week costs £910/year and about £9,100 over 10 years before opportunity return.
Common questions
Can I use this internationally?
Yes. Currency selectors are display-only unless a tool explicitly says otherwise; no currency conversion is performed.
How exact is the result?
It follows the published Technofatty formula for this tool, but real life can add fees, rules, timing quirks, and context.
Plain-English summary
Small habits are allowed to be worth it. They should at least confess.
This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.
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