true cost of spending

was it worth it?

See what your purchases could be worth if invested instead. Make smarter spending decisions with the power of compound interest.

Features

Instant Calculations

Enter any purchase amount and instantly see its potential future value based on historical market returns.

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Visual Growth Charts

Beautiful graphs show how your money could grow over time with compound interest.

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Smart Tracking

Organize spending by month with exclude/include options to track your decisions.

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Customizable Settings

Adjust interest rates and time periods to match your personal investment goals.

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Privacy Focused

All your data stays on your device. No tracking, no data collection, just pure privacy.

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Decision Support

Make informed choices about unnecessary purchases with clear opportunity cost insights.

How It Works

1

Enter Amount

Type in the price of something you're thinking about buying

2

See True Cost

Instantly see what that money could be worth if invested instead

3

Make Decision

Decide if the purchase is worth it knowing the opportunity cost

See the Impact

$50.00
could become
$657.79
Over 30 years at 10% this purchase would have been worth $657.79 if invested in the S&P 500 index*
*Estimated based on historical averages. Not investment advice. Past performance does not guarantee future results.