Treat Yourself Calculator

See how much those daily treats cost you over time — the opportunity cost of small splurges

Choose Your Treat

Select a daily or weekly treat to see its long-term cost

We'll calculate to age 65

Investment Assumptions

Annual inflation adjustment
Portfolio rebalancing frequency

Asset Allocation

How would you invest the saved money?

Asset Class Allocation (%)
Stocks
Bonds
Total 100%

Expected Returns & Risk

Expected annual stock return
Stock standard deviation
Expected annual bond return
Bond standard deviation
Stock-bond correlation
t-distribution shape (lower = fatter tails)

Run a calculation to see detailed year-by-year breakdown

Opportunity Cost Analysis

By Skipping This Treat...

$0
is how much more you'd have at retirement
Daily/Weekly Cost
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Monthly Cost
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Annual Cost
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Median at Retirement
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Growth Over Time