Personal Finance · Habit Cost Analysis

Your habits
are costing you
a fortune.

We calculate the real compound cost of your vices — not just what you spend, but what that money could have become if invested instead.

Run My Numbers Browse Vices
$1.2M
30-yr cost of a pack-a-day habit
$380K
Lifetime cost of daily coffee runs
7%
Historical S&P 500 avg return
🍺 Daily Beer$3,650/yr 🚬 Pack-a-Day$3,285/yr ☕ Daily Latte$1,825/yr 🎰 Gambling$5,200+/yr 📺 Subscriptions$1,200/yr avg 🍔 Fast Food$2,500/yr 🍷 Wine Habit$2,190/yr 🎮 Gaming$1,440/yr 🍺 Daily Beer$3,650/yr 🚬 Pack-a-Day$3,285/yr ☕ Daily Latte$1,825/yr 🎰 Gambling$5,200+/yr 📺 Subscriptions$1,200/yr avg 🍔 Fast Food$2,500/yr 🍷 Wine Habit$2,190/yr 🎮 Gaming$1,440/yr
// The True Cost Engine

What's your vice
really costing you?

Enter your spending below and see not just the annual cost — but the compound investment value you're trading away over time.

$
Compound growth assumes consistent monthly investing at the selected rate. Past market performance does not guarantee future results.
Enter your numbers and
hit calculate to see the true cost.
// Vice Categories

Every habit
has a price.

Explore each category to understand what you're spending and discover the tools to redirect that money into wealth.

🍺
Alcohol
avg. $3,650/yr · $218K over 30 years

From daily beers to weekend wine, alcohol is one of the most underestimated budget killers. We break down every type of drinking habit.

🚬
Tobacco
avg. $3,285/yr · $1.2M over 30 years

A pack-a-day habit doesn't just cost your health — it's one of the most expensive financial decisions you'll ever make.

Coffee
avg. $1,825/yr · $109K over 30 years

Daily café runs add up faster than most people realize. Discover what your coffee habit is actually costing you in compound terms.

🎰
Gambling
avg. $5,200+/yr · $310K over 30 years

Sports betting, casinos, scratch cards — the house always wins. We show you the odds your money is fighting against.

📺
Subscriptions
avg. $1,200/yr · $71K over 30 years

Streaming, apps, boxes, memberships. The average household has 12 active subscriptions — and tracks about 3 of them.

🍔
Fast Food
avg. $2,500/yr · $149K over 30 years

Convenience has a steep price tag. Regular fast food habits drain both your wallet and your health simultaneously.

// The Method

How we calculate
the true cost

01

Enter Your Spending

Input what you actually spend per day, week, or month on any vice. Be honest — the numbers only work if you are.

02

We Annualize It

We convert your spending into an annual figure and show you the monthly drain in real terms against a typical budget.

03

Compound Projection

Using the historical S&P 500 average return, we show what that money could become if invested consistently over 5, 10, and 30 years.

04

Find Your Tools

We recommend the best savings, investment, and quit-support tools to redirect your vice money into actual wealth-building.

Start putting that
money to work.

Every tool below is chosen because it helps redirect spending into saving, investing, or cutting costs. We may earn a commission — it never affects our recommendations.

Affiliate
Investing
Acorns

Round up every purchase and invest the spare change automatically. Perfect for channeling vice savings into a portfolio.

Start Investing →
Affiliate
Budgeting
YNAB

You Need A Budget. The most effective budgeting system for actually seeing where your money goes — and changing it.

Try Free for 34 Days →
Affiliate
Subscription Audit
Rocket Money

Automatically finds and cancels subscriptions you've forgotten about. Saves the average user $720/year in the first month.

Find Hidden Subscriptions →
Affiliate
Quit Support
Quit Genius

Evidence-based digital therapy for quitting smoking, alcohol, and opioids. Clinically proven to triple your success rate.

Start Your Quit →
Affiliate
Micro-Investing
Stash

Invest as little as $5 in individual stocks and ETFs. Ideal for redirecting small daily habit savings into real equity.

Open Account →
Affiliate
Cashback
Rakuten

Get cashback on purchases you're already making. Stack this with habit reduction for a double win on your budget.

Get Cashback →
// Guides & Analysis

The math behind
your habits.

Tobacco · Deep Dive

The Pack-a-Day Millionaire: What Smokers Are Actually Trading Away

A pack-a-day habit at today's prices costs $3,285 per year. Invested at 7% annually, that's $1.2 million over 30 years. We run the full numbers.

Coffee

The $380K Coffee Habit: Breaking Down the Daily Latte

Five dollars a day doesn't sound like much until you compound it for 30 years.

Subscriptions

The Subscription Audit: How to Find and Kill Your Budget Leaks

The average household wastes $348/year on subscriptions they don't use. Here's how to find yours.

Free Weekly Analysis

Know what your habits
are costing you.