HabitCost

A small habit, told the truth

It's never
“just a coffee.”

Fill in the blanks and watch the real number climb — what your habit costs this year, over a decade, and what the same money could become if you invested it instead.

I spend € each, times a .

That burns €0 every year — €0 over a decade

Invested at % a year instead, by age 65 that's €0. You're now.

See the breakdown

Runs in your browser · nothing stored · estimate: price × frequency × 52, invested as a yearly contribution.

Run the one that's yours

Each is a focused, instant calculator.

smoking coffee vaping alcohol fast food subscriptions gambling energy drinks gym membership lottery soda bottled water rideshare dining out

Why the yearly number hits

We judge spending one purchase at a time, so €3.50 feels like nothing. But a habit lives at a different scale — per year, per decade. Two coffees a day is nearly €2,900 a year, and far more if that money were compounding instead.

This isn't a lecture about quitting. It's the number, in plain sight, so you can choose what's worth it — keep it, cap it, or redirect it.

The iOS app is coming

Your habits saved and tracked, with reminders and goals. Want a nudge when it lands?

No spam — one email when it launches.