Opportunity Cost Calculator

Find the opportunity cost of spending money on non-investment based goods or services with our free Opportunity Cost Calculator. Any money you spend rather than invest costs you not only that money, but also the future earnings you'd have if you would have invested that money. This calculator will show you both the interest earnings you'll lose and the real cost of the expenditure.

Opportunity Cost Calculator

Note: This calculator does not take inflation into account.

Enter the dollar amount of an unnecessary, non-investment type expenditure you are contemplating:
Enter the annual interest rate (%) you feel you could earn if you were to invest the money rather than spend it:
Enter the number of years you would allow your investment to grow (number of years until retirement, if applicable):
Forgone interest earnings:
Real cost of expenditure:

What You Should Know