Daily smoke, regular drink, daily coffee. Run the compound maths. The lifetime number is bigger than people expect.
Daily spend, time horizon, and the real return if the same money went to a global index instead.
£10/day for 30 years at % real
Cash actually paid: £109,500. Invested at % real for 30 years it would have become £288,562. The difference, , is the compound growth lost.
Illustrative figures only. The model assumes a constant daily amount; in practice habits tend to grow with income. For your specific situation, consult a qualified adviser.
Worth surfaces the recurring costs you live with quietly. Daily, weekly, monthly. See what they compound to over a working lifetime, then decide what to keep. Join the waitlist.
Not included here. Smoking and heavy drinking carry significant healthcare costs through prescriptions, insurance premium loadings, and lost productive years. Add those on top of the financial number; the real cost is higher.
Probably not. Willpower runs out faster when motivated only by abstractions like compound growth. But the money is a backup justification once you have a real reason. The future-wealth number is useful when you are already trying to quit and need a reminder why.
Yes. The calculator uses real return after inflation, so the future-wealth number is already today's money. If you used nominal return instead, the result would look bigger but would not actually buy more.
Most habit prices outpace inflation (tobacco duty, alcohol minimum unit pricing, premium coffee). The calculator assumes constant daily amount, so the result is an underestimate. Use it as a floor, not a ceiling.