Opportunity Cost
What Did That Really Cost You?
Every dollar spent is a dollar that won’t compound to retirement. Enter what you just spent and your age to see the true cost in future buying power — using the S&P 500’s historical 10.5% average annual return.
Amount Spent
How much did you just spend?
$
Your Current Age
Calculates years until retirement at 65
yrs
Projection Results
Real Cost at Retirement
Amount Spent Today
today’s dollars
Opportunity Cost
lost compounding gains
Years to Retirement
age 65 target
Growth Multiple
times your money
Rate Used
10.5%
S&P 500 avg. (w/ dividends)
This calculator is for educational purposes only. Past market performance does not guarantee future results. The 10.5% figure reflects the S&P 500’s long-run historical average total return including reinvested dividends. Actual returns will vary. This is not financial advice.