Money What would your subscription have become if you had invested it?
Every regular expense makes a company richer. Calculate what a habit costs you over the years and what the same amount could have become if invested.
The return is an assumption, roughly the long-term average of a broadly diversified global ETF. Individual shares can fluctuate strongly and even lose everything. Model calculation without costs or taxes, not investment advice.
Consumer or owner
When you buy a coffee every day, the chain, the roaster and many others earn from it. As a customer you pay; as an owner, for example through shares or a broadly diversified fund, you would share in such profits. This question runs through the book behind the Money Compass.
It is not about giving things up
Nobody has to give up everything. The calculator simply makes visible what a small, regular expense means over a long time. Often it is enough to halve one of several habits and put the difference aside automatically.
Calculating with real companies
In the free Money Compass, the section “Consumer or owner?” recognises many brands automatically and calculates with the average returns of the related shares over recent years, compared with a global ETF.
Frequently asked questions
Why 7 percent?
It is an assumption for a broadly diversified global equity index over long periods. You can enter any other value.
Does the calculator use the real Netflix share and others?
This page calculates with a return you choose. In the full Money Compass, brands are matched to real companies.
Is this a recommendation to buy?
No. It is a model calculation for financial education. Individual shares are risky and can lose their entire value.