Yield & Spread

Opportunity Cost Calculator

This opportunity cost calculator shows you how much your money could grow if you invested it instead of spending it on something else. Use it to see the potential value of your purchase today and decide whether it’s worth the tradeoff.

Grey numbers are examples. Replace any number to build your own scenario.

Purchase / Decision Amount

Expense Type

Expected Investment Return

Time Horizon

years

Inflation Rate

Opportunity Cost

The growth you give up by spending instead of investing

$2,260,719

If Invested Instead

What your monthly contributions could grow to in 30 years

$2,980,719

If Invested Instead, Inflation-Adjusted

What your investment could be worth in today's dollars

$1,228,017