We calculate the real compound cost of your vices — not just what you spend, but what that money could have become if invested instead.
Enter your spending below and see not just the annual cost — but the compound investment value you're trading away over time.
Explore each category to understand what you're spending and discover the tools to redirect that money into wealth.
From daily beers to weekend wine, alcohol is one of the most underestimated budget killers. We break down every type of drinking habit.
↗A pack-a-day habit doesn't just cost your health — it's one of the most expensive financial decisions you'll ever make.
↗Daily café runs add up faster than most people realize. Discover what your coffee habit is actually costing you in compound terms.
↗Sports betting, casinos, scratch cards — the house always wins. We show you the odds your money is fighting against.
↗Streaming, apps, boxes, memberships. The average household has 12 active subscriptions — and tracks about 3 of them.
↗Convenience has a steep price tag. Regular fast food habits drain both your wallet and your health simultaneously.
↗Input what you actually spend per day, week, or month on any vice. Be honest — the numbers only work if you are.
We convert your spending into an annual figure and show you the monthly drain in real terms against a typical budget.
Using the historical S&P 500 average return, we show what that money could become if invested consistently over 5, 10, and 30 years.
We recommend the best savings, investment, and quit-support tools to redirect your vice money into actual wealth-building.
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.
Round up every purchase and invest the spare change automatically. Perfect for channeling vice savings into a portfolio.
Start Investing →You Need A Budget. The most effective budgeting system for actually seeing where your money goes — and changing it.
Try Free for 34 Days →Automatically finds and cancels subscriptions you've forgotten about. Saves the average user $720/year in the first month.
Find Hidden Subscriptions →Evidence-based digital therapy for quitting smoking, alcohol, and opioids. Clinically proven to triple your success rate.
Start Your Quit →Invest as little as $5 in individual stocks and ETFs. Ideal for redirecting small daily habit savings into real equity.
Open Account →Get cashback on purchases you're already making. Stack this with habit reduction for a double win on your budget.
Get Cashback →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.
Five dollars a day doesn't sound like much until you compound it for 30 years.
The average household wastes $348/year on subscriptions they don't use. Here's how to find yours.