The opportunity cost calculator for your wallet.
Type any price. See what it'd be worth invested over 30 years. Resist or don't. Either way, you'll never buy something without knowing the real cost again.
Free on the App Store · No ads · No data sold
A whole app, built to stop the impulse before it lands.
Calculate
Type a price. Watch the 30-year invested number.
Cooldown
Lock impulse buys in the vault for 48 hours.
Real take-home
See exactly what you keep after every deduction.
Your wins
Resisted purchases stack up. Watch them compound.
Your parents had pensions.
You have Klarna.
We're building the third option.
Four steps. Compounding wins.
See
Type the price you're tempted by.
Cost
Watch the 30-year number grow.
Cooldown
48 hours in the vault before any purchase.
Win
Resist, and the money stays with future you.
$0
Average 30-year impact from a single $200 resist. Multiply by however many times you say no.
Money apps usually sell you. We don't.
Cost Me makes money two ways: an optional Cost Me+ subscription, and an honest referral page with the few financial products we'd actually use ourselves. That's it.
What would this be worth if I invested it instead?
Or — get notified the moment Cost Me lands on the App Store: