How much is $1 spent/invested today worth invested tomorrow? Translate today’s spending into future dollars.
8% for 30y ≈ 10×
Inputs
Ready
Recurring spend (e.g., coffee, subscription)
Recurring mode treats the “amount” as the per-period spend you’re choosing to invest instead.
The savings escalator increases the per-period amount each year.
Tip: this answers “If I spend $X now, what future dollars did I give up?” The future value is the opportunity cost.
Results
Future value (nominal)
$0
×0.00 of today’s dollars
Future value (real, today’s $)
$0
×0.00 in real purchasing power
Retirement runway (from this decision)
—
Using annual spend input (real $)
Work-hours translation
—
Converted from runway × work-hours/year
“Retirement runway” is a practical proxy for “earlier retirement”: extra real dollars ÷ annual retirement spending.