🇬🇧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.

30Expenses
7Categories
7%Avg Return

Daily Pret Coffee

Food & Drinks

A £4.20 Pret flat white every morning before work.

💰 £1,533/yeardaily
🍔

Weekly Deliveroo Order

Food & Drinks

A £28 Deliveroo order every week because cooking is effort.

💰 £1,456/yearweekly
🍺

Friday Pub Session

Food & Drinks

4 pints at the pub every Friday — £28 minimum.

💰 £1,456/yearweekly
🥐

Daily Greggs

Food & Drinks

A £4 sausage roll, coffee, and treat from Greggs every workday.

💰 £1,040/yeardaily
🥑

Weekend Brunch

Food & Drinks

£22 brunch every Saturday — full English and a flat white.

💰 £1,144/yearweekly
🍗

Monthly Nandos

Food & Drinks

A cheeky Nandos with sides and drinks — £25/visit, twice a month.

💰 £600/yearmonthly

Sky Sports

Subscriptions

Sky Sports at £34/month for Premier League and F1.

💰 £408/yearmonthly
🎬

Netflix UK

Subscriptions

Netflix Standard at £10.99/month.

💰 £132/yearmonthly
🎵

Spotify Premium

Subscriptions

Spotify Premium at £10.99/month.

💰 £132/yearmonthly
📦

Amazon Prime UK

Subscriptions

Amazon Prime at £8.99/month.

💰 £108/yearmonthly
🏰

Disney+ UK

Subscriptions

Disney+ at £10.99/month.

💰 £132/yearmonthly
🍎

Apple TV+

Subscriptions

Apple TV+ at £8.99/month.

💰 £108/yearmonthly
👕

Monthly Primark Haul

Shopping

A £40 Primark haul every month — £1 socks included.

💰 £480/yearmonthly
👗

Monthly ASOS Order

Shopping

£95 ASOS order every month — returns included.

💰 £1,140/yearmonthly
💊

Monthly Boots Haul

Shopping

£55 at Boots on skincare, makeup, and meal deals.

💰 £660/yearmonthly
🏷️

Weekly TK Maxx Visit

Shopping

You 'just popped in' to TK Maxx and spent £30 — every week.

💰 £1,560/yearweekly
🛒

Monthly Zara Spend

Shopping

£80/month keeping up with Zara's weekly drops.

💰 £960/yearmonthly
🚇

Weekly Oyster Top-Up

Transport

£40/week on Oyster or contactless for the commute.

💰 £2,080/yearweekly
🚕

Weekly Uber Rides

Transport

Two £15 Uber rides per week for nights out.

💰 £1,560/yearweekly

Weekly Petrol

Transport

£70/week on petrol for the commute.

💰 £3,640/yearweekly
🎤

Monthly Gig Tickets

Entertainment

One gig per month at £50 average.

💰 £600/yearmonthly
🎬

Weekly Cinema

Entertainment

Odeon tickets + snacks = £18 every week.

💰 £936/yearweekly
🪩

Friday Night Out

Entertainment

Entry + drinks + taxi = £70 every Friday.

💰 £3,640/yearweekly
🎮

Gaming Subscriptions

Entertainment

PS Plus + Game Pass at £22/month.

💰 £264/yearmonthly
💅

Monthly Nails

Self-Care

Gel manicure every 3 weeks at £35.

💰 £607/yearmonthly
✂️

Bi-Monthly Haircut

Self-Care

Haircut and colour every 6 weeks at £85.

💰 £737/yearmonthly
💪

Gym Membership

Self-Care

PureGym or David Lloyd at £40/month.

💰 £480/yearmonthly
🏠

Weekly Home Bargains

Home & Living

£25 at Home Bargains every week on bits and bobs.

💰 £1,300/yearweekly
🕯️

Monthly Yankee Candle

Home & Living

A £28 Yankee Candle or Aldi dupe every month.

💰 £336/yearmonthly
📱

Monthly Shein Home

Home & Living

£35/month on Shein homeware and TikTok trends.

💰 £420/yearmonthly

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