Tool

Cost of a Habit

That little recurring spend has a big shadow. See what it adds to your FU number — and what it could become invested.

Your habit

How much, and how often?

Coffee, subscriptions, takeout — anything recurring.

Safe withdrawal rate

4.0%

Sets how much portfolio each $1/yr of spending requires.

If invested instead — annual return %

…over how many years?

30 yrs

Adds to your FU number

Annual cost

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Invested value

—

Find your FU number

How the math works

We annualize the habit (per day × 365, per week × 52, per month × 12), then divide by your withdrawal rate to get how much extra portfolio it demands (25× the yearly cost at 4%). The "invested instead" figure compounds that same yearly amount at your chosen return. Not a judgment on your coffee — just the math. Estimates only — not financial advice.