Opportunity cost calculator
Every spend has a second price: what that money could have become. See it before you decide.
Example result
- Could grow to
- ₹15,13,728
- Total you would spend
- ₹5,40,000
- Growth you give up
- ₹9,73,728
Year-by-year
| Year | Spent so far | If invested |
|---|---|---|
| 1 | ₹36,000 | ₹38,428 |
| 2 | ₹72,000 | ₹81,730 |
| 3 | ₹1,08,000 | ₹1,30,523 |
| 4 | ₹1,44,000 | ₹1,85,505 |
| 5 | ₹1,80,000 | ₹2,47,459 |
| 6 | ₹2,16,000 | ₹3,17,271 |
| 7 | ₹2,52,000 | ₹3,95,937 |
| 8 | ₹2,88,000 | ₹4,84,580 |
| 9 | ₹3,24,000 | ₹5,84,465 |
| 10 | ₹3,60,000 | ₹6,97,017 |
| 11 | ₹3,96,000 | ₹8,23,844 |
| 12 | ₹4,32,000 | ₹9,66,757 |
| 13 | ₹4,68,000 | ₹11,27,793 |
| 14 | ₹5,04,000 | ₹13,09,254 |
| 15 | ₹5,40,000 | ₹15,13,728 |
How this is calculated
A one-time amount is treated as a lumpsum compounding yearly. A recurring amount is converted to a monthly figure (daily × 365 ÷ 12, weekly × 52 ÷ 12) and treated as a SIP invested at the start of each month at the chosen return. "Growth you give up" is the future value minus the total spent.
Questions
Does this mean I should never spend?
No. It puts a long-term number next to a short-term choice so you can decide what is worth it. Spending on what matters to you is part of a good plan.
How are daily and weekly amounts handled?
They are converted to a monthly amount (daily × 365 ÷ 12, weekly × 52 ÷ 12) and treated like a monthly SIP. One-time amounts are treated as a lumpsum.
Estimates for educational purposes only. Not financial, tax or investment advice.