This opportunity cost calculator works out how much you’d miss out on earning by spending an amount now instead of investing it for a number of years at a given annual return.
Every euro has a future
Spending €1,000 today doesn’t just cost you those €1,000 — it also costs whatever that money could have earned if invested. Seeing it in numbers helps separate an impulse purchase from a decision you’re comfortable with.
Example
Spend €1,000 instead of investing it for 10 years at 7% annual return, and that money would have grown to about €1,967 — meaning the real cost of that purchase is closer to €967 in missed growth, not just the €1,000 spent.
For guidance only, assuming a constant return — not financial advice.