Enter any habit, purchase, or debt. WealthDelay calculates the exact lifetime wealth destroyed, retirement delayed, and life-hours traded — instantly.
FV = PMT × [((1+r)^n − 1) / r] where PMT is your monthly equivalent spending, r is the monthly return, and n is months to retirement. This is what your money would compound to if invested in a broad index fund instead.Real = Nominal ÷ (1+inflation)^years. At 3% inflation, $500K in 30 years is worth roughly $206K today. We show both so you see the full picture.Hours = Opportunity Cost ÷ Hourly Wage. Every financial decision is ultimately a trade of your irreplaceable time.