Lifestyle calculators

Life decisions rarely arrive with a price tag attached, so these calculators put one on. Each takes a single decision, a baby, a divorce, a dog, a daily habit, and turns it into the number it actually costs over time, using the same arithmetic throughout: what you spend, what that money would have become instead, and how long the difference compounds.

The pattern to watch for is small-times-daily beats big-times-once. A $6 coffee every day is $2,190 a year; the same money invested at a 7% average return grows to about $90,000 over 20 years. That doesn't make the coffee wrong, it makes the trade visible, which is the whole job of the coffee cost calculator and every other tool on this page.

Life events

• Cost of a baby the true first-year cost, lost income and all
• Cost of divorce asset split, support and legal fees
• Eldercare cost assisted living, memory and nursing care by state
• Prenup financial mismatch how far apart two partners' finances are
• Death & money will your projected estate owe tax?

Habits & choices

• Coffee habit cost what "small but daily" adds up to
• Lifestyle creep the cost of spending every raise
• How rich would I be if… a recurring expense invested instead
• True hourly wage your real pay once commute and unpaid overtime count

Home & place

• Climate financial risk insurance, home value and adaptation exposure

These are illustrations built on standard financial math and your own assumptions, not forecasts. Not financial advice.