🇨đŸ‡ĻOpportunity 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.

32Expenses
7Categories
7%Avg Return
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Daily Tim Hortons

Food & Drinks

A $3.50 double-double and a muffin from Tims every morning.

💰 $2,008/yeardaily
🍔

Weekly Skip The Dishes

Food & Drinks

A $38 Skip order every week with delivery and service fees.

💰 $1,976/yearweekly
đŸĨĒ

Daily Lunch Out

Food & Drinks

$16 lunch combo every workday from the food court.

💰 $4,160/yeardaily
đŸĨ‘

Weekend Brunch

Food & Drinks

$30 brunch every Saturday — eggs benny and a Caesar.

💰 $1,560/yearweekly
🍷

Monthly LCBO Run

Food & Drinks

A $75 LCBO or Beer Store run every month.

💰 $900/yearmonthly
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Daily Second Cup

Food & Drinks

A $6 oat milk latte from Second Cup or Starbucks daily.

💰 $2,190/yeardaily
đŸŽŦ

Crave + HBO

Subscriptions

Crave + HBO at $22/month for Canadian and HBO content.

💰 $264/yearmonthly
đŸ“ē

Netflix Canada

Subscriptions

Netflix Standard at $16.49/month.

💰 $198/yearmonthly
đŸŽĩ

Spotify Premium

Subscriptions

Spotify Premium at $11.99/month.

💰 $144/yearmonthly
đŸ“Ļ

Amazon Prime CA

Subscriptions

Amazon Prime at $9.99/month.

💰 $120/yearmonthly
🏰

Disney+ Canada

Subscriptions

Disney+ at $11.99/month.

💰 $144/yearmonthly
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YouTube Premium

Subscriptions

YouTube Premium at $13.99/month.

💰 $168/yearmonthly
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Monthly Winners Haul

Shopping

A $65 Winners/HomeSense haul every month.

💰 $780/yearmonthly
💄

Monthly Sephora Canada

Shopping

$85/month at Sephora chasing VIB Rouge status.

💰 $1,020/yearmonthly
🔧

Monthly Canadian Tire

Shopping

$55/month at Canadian Tire on stuff for the house and car.

💰 $660/yearmonthly
🧘

Monthly Lululemon

Shopping

$120/month on Lululemon leggings and gear.

💰 $1,440/yearmonthly
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Monthly Shein Order

Shopping

A $40 Shein order every month.

💰 $480/yearmonthly
🚇

Monthly TTC Pass

Transport

TTC monthly pass at $156/month.

💰 $1,872/yearmonthly
🚕

Weekly Uber Rides

Transport

Two $20 Uber rides per week.

💰 $2,080/yearweekly
â›Ŋ

Weekly Gas Fill-Up

Transport

$75/week on gas for the commute.

💰 $3,900/yearweekly
🚗

Monthly Car Payment

Transport

$500/month car payment.

💰 $6,000/yearmonthly
🏒

Monthly Raptors/Leafs Tickets

Entertainment

One game per month at $120 average for nosebleeds.

💰 $1,440/yearmonthly
🎤

Monthly Concert

Entertainment

One concert per month at $85.

💰 $1,020/yearmonthly
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Weekly Cineplex

Entertainment

Cineplex tickets + snacks = $25/week.

💰 $1,300/yearweekly
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Friday Night Out

Entertainment

Cover + drinks + Uber = $80 every Friday.

💰 $4,160/yearweekly
💅

Monthly Nails

Self-Care

Gel manicure every 3 weeks at $55.

💰 $955/yearmonthly
âœ‚ī¸

Bi-Monthly Haircut

Self-Care

Haircut and colour every 6 weeks at $100.

💰 $867/yearmonthly
đŸ’Ē

Gym Membership

Self-Care

GoodLife or F45 at $60/month.

💰 $720/yearmonthly
✨

Monthly Facial

Self-Care

$130 facial treatment every month.

💰 $1,560/yearmonthly
🏠

Weekly Dollarama

Home & Living

$20/week at Dollarama on stuff you somehow need.

💰 $1,040/yearweekly
🏡

Monthly HomeSense

Home & Living

$55/month at HomeSense on decor and kitchen gadgets.

💰 $660/yearmonthly
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Monthly Candle Habit

Home & Living

$35/month on Bath & Body Works or Indigo candles.

💰 $420/yearmonthly

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