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Small leaks, long periods

Spending Less Calculator

What a modest, recurring expense could have become if it had been invested instead.

Home Calculators Spending Less Calculator

₹10₹1k₹3k₹4k₹5k
110.7520.530.2540
5%8.75%12.5%16.25%20%

Your result

What it could have grown to
Total you would have spent
That is a monthly SIP of

Illustration only. Calculations use the assumed rate you enter and do not account for taxes, exit loads or expenses. Mutual fund investments are subject to market risks; returns are neither assured nor indicative of future performance.

The point of this calculation

This is not an argument against spending money on things you enjoy. It is a way of seeing the true price of a habit you no longer notice — a subscription you stopped using, a daily expense that crept up, a recurring charge nobody reviews.

Three hundred rupees a day is nine thousand a month. Over twenty years, invested, that is a materially different retirement.

A more useful version of the same idea

Rather than cutting spending, redirect increases. When your income rises, route a fixed share of the increase into investments before adjusting your lifestyle to it. The money is never missed, because it was never in the household budget.

An annual step-up on an existing SIP achieves the same thing automatically.

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