🇺🇸Opportunity Cost Calculator

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.

31Expenses
7Categories
8%Avg Return

Daily Starbucks

Food & Drinks

A $7 vanilla oat milk latte from Starbucks, every single day.

💰 $2,555/yeardaily
🍔

Weekly DoorDash Order

Food & Drinks

A $40 DoorDash order every week with fees and tip.

💰 $2,080/yearweekly
🌯

Daily Chipotle Bowl

Food & Drinks

A $15 Chipotle burrito bowl every workday — guac included.

💰 $3,900/yeardaily
🥑

Weekend Brunch

Food & Drinks

$32 brunch every Saturday — eggs benedict and a mimosa.

💰 $1,664/yearweekly

Daily Energy Drink

Food & Drinks

A $4 Red Bull or Monster every day to stay alive.

💰 $1,460/yeardaily
🛒

Weekly Trader Joe's Haul

Food & Drinks

You went in for bananas and left with $65 of snacks and frozen meals.

💰 $3,380/yearweekly
🎬

Netflix Premium

Subscriptions

Netflix Premium at $22.99/month for 4K streaming.

💰 $276/yearmonthly
📺

Hulu + Disney+ Bundle

Subscriptions

The Disney bundle at $20/month for Hulu, Disney+, and ESPN+.

💰 $240/yearmonthly
🎵

Spotify Premium

Subscriptions

Spotify Premium at $11.99/month for ad-free listening.

💰 $144/yearmonthly
📦

Amazon Prime

Subscriptions

Amazon Prime at $14.99/month — shipping, video, music, everything.

💰 $180/yearmonthly
▶️

YouTube Premium

Subscriptions

YouTube Premium at $13.99/month to skip ads.

💰 $168/yearmonthly
🎭

HBO Max

Subscriptions

HBO Max at $16.99/month for prestige TV.

💰 $204/yearmonthly
🎯

Monthly Target Run

Shopping

You went to Target for toothpaste and spent $80.

💰 $960/yearmonthly
📦

Monthly Amazon Haul

Shopping

Random Amazon purchases adding up to $100/month.

💰 $1,200/yearmonthly
💄

Monthly Sephora

Shopping

$90/month at Sephora chasing Rouge status.

💰 $1,080/yearmonthly
👗

Weekly Shein Order

Shopping

A $35 Shein haul every week of micro-trend clothes.

💰 $1,820/yearweekly

Monthly Ulta Haul

Shopping

$75/month at Ulta on skincare and makeup.

💰 $900/yearmonthly
🚕

Weekly Uber Rides

Transport

Two $20 Uber rides per week because parking is impossible.

💰 $2,080/yearweekly

Weekly Gas Fill-Up

Transport

Filling up the tank for $60 every week.

💰 $3,120/yearweekly
🚗

Monthly Car Payment

Transport

A $500/month car payment on that 72-month loan.

💰 $6,000/yearmonthly
🎤

Monthly Concert Tickets

Entertainment

One concert per month at $95 with Ticketmaster fees.

💰 $1,140/yearmonthly
🎬

Weekly Movie Night

Entertainment

AMC tickets + popcorn + soda = $35 every week.

💰 $1,820/yearweekly
🪩

Friday Night Out

Entertainment

Cover charge + 4 drinks + Uber home = $100 every Friday.

💰 $5,200/yearweekly
🎮

Gaming Subscriptions

Entertainment

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

💰 $360/yearmonthly
💅

Bi-Weekly Nails

Self-Care

Gel manicure every 2 weeks at $55.

💰 $1,430/yearmonthly
✂️

Monthly Hair Salon

Self-Care

Haircut, blowout, or color every month at $95.

💰 $1,140/yearmonthly
💪

Gym Membership

Self-Care

Equinox, SoulCycle, or boutique gym at $180/month.

💰 $2,160/yearmonthly

Monthly Facial

Self-Care

A $120 facial or skin treatment every month.

💰 $1,440/yearmonthly
🏠

Weekly Target Home

Home & Living

Can't leave Target without $35 in candles and throw pillows.

💰 $1,820/yearweekly
🕯️

Monthly Bath & Body Works

Home & Living

$50/month on candles and hand soaps during every sale.

💰 $600/yearmonthly
📱

Monthly TikTok Purchases

Home & Living

$70/month on stuff TikTok made you buy.

💰 $840/yearmonthly

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