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Lifestyle Expense

See how daily habits turn into long-term wealth or debt.

Your Coffee Today = Crores Tomorrow

₹300 Daily savings

₹1.9 Cr 30-year wealth @ 12%

₹7.6L Annual passive income

💸 Your Lifestyle Expenses

Select categories that apply to you and enter your typical spending amounts.

Compare with:

Your Expenses:

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No expenses added yet

Add your lifestyle expenses to see their wealth impact over time

Click the "Add Expense" button above to get started with categories like:

☕ Coffee & Tea🍕 Food Delivery📱 OTT & Subscriptions🚗 Uber & Transport +4 more

⚙️ Investment Parameters

Expected Annual Return

12%

Based on historical equity market returns (8-15%)

Time Horizon

20 years

How long will you invest for?

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Ready to See the Magic?

Select some expense categories to see how your lifestyle choices impact your future wealth.

👈 Start by enabling categories like Coffee, Food Delivery, or Subscriptions

💡 Real-Life Impact Examples

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Daily Coffee

₹150/day × 365 days = ₹54,750/year

If invested @ 12%:

10 years → ₹9.5 Lakhs

20 years → ₹39.6 Lakhs

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OTT Subscriptions

₹1,200/month = ₹14,400/year

If invested @ 12%:

10 years → ₹2.5 Lakhs

20 years → ₹10.4 Lakhs

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Weekend Uber

₹800/weekend = ₹41,600/year

If invested @ 12%:

10 years → ₹7.2 Lakhs

20 years → ₹30.1 Lakhs

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Category-Based Analysis

Track expenses across coffee, food delivery, subscriptions, transport, shopping, and more. See which lifestyle choices impact your wealth most.

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Visual Impact

Interactive charts show your expense breakdown and future wealth potential. See exactly what each habit costs you over time.

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What-If Scenarios

Cut expenses by 25%, 50%, or 75% and see the wealth impact. Discover which small changes create the biggest long-term gains.

Ready to Build Real Wealth?

The numbers don't lie. Small changes in your spending habits can create massive wealth over time.

Start with just one category. Skip that daily coffee twice a week. Your future self will thank you.

Why Use a Lifestyle Expense Calculator?

Gen Z spends heavily on subscriptions, eating out, and shopping. A Lifestyle Expense Calculator shows how these daily spends could become crores if invested. It’s a wake-up call: “Your ₹300 coffee today = ₹1.5 Cr in 30 years!”

How Does It Work?

You enter daily/weekly/monthly spends (coffee, Uber, Netflix). The calculator projects their yearly cost and future value if invested at 10–12% CAGR. It visualizes trade-offs between consumption and investing.

When Should You Use It?

To check how much your lifestyle costs annually.
Before starting a savings discipline or budgeting habit.
To inspire small lifestyle changes with big future impact.

Absolutely not! This calculator shows potential, not a prescription. The goal is awareness— understanding which expenses matter most to your long-term wealth and making intentional choices.

We use 8-15% returns based on historical market performance. Actual returns vary, but this gives you a realistic range for equity investments over long periods.

Life is about balance! If coffee brings you joy, factor it into your budget. The calculator helps you make informed choices—maybe homemade coffee 4 days and café coffee 3 days?

Great point! While your ₹150 coffee might cost ₹300 in 10 years, your investments should also grow to counter inflation. The relative impact comparison remains valuable for decision-making.