Doom-Spending Cost Calculator
See what stress and impulse spending costs you a year, and what the same money could become if you invested it instead.
Illustrative only. Real returns vary year to year and are never guaranteed.
Assumes $100 a month invested at 7% a year. A rough illustration to show the trade-off, not financial advice.
Questions
What counts as doom spending?
Impulse buys you make to cope with stress or boredom rather than to meet a real need. The calculator works for any recurring spend you would like to redirect.
How is the invested figure worked out?
It compounds your monthly amount at the annual return you choose, using the standard future-value formula for regular contributions. The return is an assumption, not a guarantee.
Is this financial advice?
No. It is an educational illustration of a trade-off. For decisions about your own money, speak to a regulated professional.