Insights — Personal Finance
Marginal Savings
Small habits. Big numbers at retirement.
01 — Your timeline
I am
and retire atand plan to retire at
02 — Choose a habit
The price shown is what it costs, the calculator invests the savings versus the at-home alternative.
Daily Habit
Morning Coffee
$6
Every weekday
A daily coffee shop habit adds up fast. Lattes run $6–7 vs. about $0.50 brewed at home, five mornings a week.
Weekly Habit
Avocado Toast
$14
Twice a week
Friends, brunch, Avocado Toast - what could be better? $14 at a café vs. $2–3 at home, twice a week adds up fast.
Weekly Habit
Food Delivery
$35
Twice a week
Delivery apps make dinner easy, for a price. $35 with fees and tip vs. $8–12 cooking at home, twice a week.
Monthly Cost
Car Loan Interest
$150
Every month
Auto loans quietly send money to interest. On a $28k loan at 7% APR, $150 is just interest to the bank.
Daily Habit
Lunch Out
$16
Every weekday
A weekday lunch out is an easy habit to fall into. Pack your own for $3–5 instead of $16 out, saving $11+ a day, five days a week.
Monthly Cost
Streaming Bundle
$50
Every month
Subscriptions pile up and rarely get trimmed. Most households carry 3–4; $50/month covers just two.