Periodic Spending Cost Calculator

Account for the real cost of miscellaneous expenses to your financial budget.

It is an interesting fact that when we invest financial resources into luxury items, non-essentials, and non-investment type products or services, we are giving up the opportunity to earn interest on this money... for the rest of our lives.

While this may seem trivial, compounded over our lifetime, the net effect can mean hundreds of thousands and in many instances millions in lost savings for individuals and families across America. Lost wealth, unrealized in small acquisitions. This calculator offers you a way to see just how much the total money spent on unnecessary items every year is costing in real dollars. This calculator will allow you and your family the opportunity to ensure that the return on your expenditures is providing a benefit equal to, or great than, their real cost.

Periodic Spending Cost Calculator
A few things to keep in mind: The typical return on investments in the stock market averages 10% over the long run. Investing in paying off high interest debts can be a far better return than investing in long term savings platforms. In the end, debt inhibits the growth of personal wealth. Don't forget to factor in sales taxes when entering expenditure amounts. Though a tax, it is still an expense to your budget. When factoring some items, be sure to include the additional cost of ownership expenses (gas, electricity, maintenance, etc.) These calculations do not account for annual inflation. Lost potential interest gains are compounded on a monthly basis and forgone purchases are invested at the end of each spending period.
Enter the dollar amount of a non-appreciating good or service you purchase on a regular basis:
How often do you normally make this expenditure?	every
Enter the annual interest rate (%) you feel you could earn if you were to invest the money rather than spend it:
Enter the number of years you would like to calculate the cost for:

Total dollars that will be spent:
Lost interest earnings:
Real cost of expenditure: