🇦🇺Opportunity Cost Calculator

Girl Math Your Spending

How much is your daily latte really costing you? Find out in seconds — see hours worked, years of spending, and what it'd be worth invested.

34Expenses
7Categories
8%Avg Return

Daily Oat Latte

Food & Drinks

That $6 oat milk latte from your favourite café, every single day.

💰 $2,190/yeardaily
🍔

Weekly Uber Eats Order

Food & Drinks

A cheeky $35 Uber Eats order every week because you can't be bothered cooking.

💰 $1,820/yearweekly
🍺

Friday Pub Dinner

Food & Drinks

Parma, chips, and a couple of schooners every Friday night.

💰 $2,860/yearweekly
🥪

Daily Meal Deal

Food & Drinks

Sushi roll, drink, and a snack from the food court — $15 every workday.

💰 $3,900/yeardaily
🥑

Weekend Brunch

Food & Drinks

The classic $28 avo on toast with a flat white on Saturday morning.

💰 $1,456/yearweekly

Daily Energy Drink

Food & Drinks

A $5 Mother or V energy drink every single day to get through.

💰 $1,825/yeardaily
🍷

Monthly BWS Run

Food & Drinks

A $90 monthly booze run for the weekend stash.

💰 $1,080/yearmonthly

Kayo Sports

Subscriptions

Kayo Basic at $29/month to watch the footy, cricket, and F1.

💰 $348/yearmonthly
🎬

Netflix Subscription

Subscriptions

Netflix Standard at $18.99/month for your endless scrolling habit.

💰 $228/yearmonthly
📺

Stan Premium

Subscriptions

Stan Premium at $24/month for Yellowstone and Stan Originals.

💰 $288/yearmonthly
🎵

Spotify Premium

Subscriptions

Spotify Premium at $12.99/month for ad-free music and podcasts.

💰 $156/yearmonthly
🎧

Apple Music

Subscriptions

Apple Music at $12.99/month because you're deep in the Apple ecosystem.

💰 $156/yearmonthly
▶️

YouTube Premium

Subscriptions

YouTube Premium at $16.99/month to skip ads and download videos.

💰 $204/yearmonthly
🍿

Binge Subscription

Subscriptions

Binge Standard at $18/month for HBO and reality TV binges.

💰 $216/yearmonthly
👕

Monthly Factorie Haul

Shopping

A $60 factorie haul every month for basics and trendy pieces.

💰 $720/yearmonthly
🛒

Weekly Cotton On Run

Shopping

Popping into Cotton On every week and spending $30 on stuff you don't need.

💰 $1,560/yearweekly
📦

Monthly Shein Haul

Shopping

A $50 Shein order every month of clothes you'll wear once.

💰 $600/yearmonthly
👗

ASOS Order

Shopping

A $120 ASOS order every month with half of it getting returned.

💰 $1,440/yearmonthly
💄

Mecca Beauty Loop

Shopping

Spending $100/month at Mecca to maintain your Beauty Loop status.

💰 $1,200/yearmonthly
🚕

Weekly Uber Rides

Transport

Two $25 Uber rides per week because the bus is too slow.

💰 $2,600/yearweekly

Weekly Fuel Top-Up

Transport

Filling up the car for $80 every week.

💰 $4,160/yearweekly
🛴

Daily E-Scooter

Transport

A $6 Lime or Beam scooter ride every workday.

💰 $1,560/yeardaily
🚗

Monthly Car Payment

Transport

That $550/month car loan for a car you bought new.

💰 $6,600/yearmonthly
🎤

Monthly Concert Ticket

Entertainment

One gig or event per month at $85 average.

💰 $1,020/yearmonthly
🎬

Weekly Cinema Night

Entertainment

Movie ticket + popcorn + drink = $30 every week.

💰 $1,560/yearweekly
🪩

Friday Nightclub Entry

Entertainment

$25 entry plus $60 on drinks every Friday night.

💰 $4,420/yearweekly
🎮

Gaming Subscription

Entertainment

PS Plus + Game Pass at $30/month combined.

💰 $360/yearmonthly
💅

Monthly Nail Appointment

Self-Care

Gel manicure every 3 weeks at $65 per visit.

💰 $1,127/yearmonthly
✂️

Bi-Monthly Haircut

Self-Care

A decent haircut and colour every 6 weeks at $120.

💰 $1,040/yearmonthly
💪

Gym Membership

Self-Care

Anytime Fitness or F45 at $65/month.

💰 $780/yearmonthly

Monthly Skin Clinic

Self-Care

Monthly facial or skin treatment at $150.

💰 $1,800/yearmonthly
🏠

Weekly Kmart Run

Home & Living

You went in for one thing and spent $40 — every week.

💰 $2,080/yearweekly
🕯️

Monthly Candle Addiction

Home & Living

A $45 Glasshouse or Ecoya candle every month.

💰 $540/yearmonthly
💐

Weekly Flower Delivery

Home & Living

A $35 flower arrangement from the markets every week.

💰 $1,820/yearweekly

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