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Home > Commercial Online Calculators > Free Demo Index > Spending Cost Calculator
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Spending Cost Calculator

This calculator, one of the Saving Calculators in the Personal Finance Calculators section, is designed to help answer the question, "How much do I give up when I spend money rather than save it?"

If you would like to install the Spending Cost Calculator on your website you have one of two options:

Option #1: You can install the calculator for free (see terms and conditions listed beneath the calculator).

Option #2: You can pay a small, one-time, commercial-use fee (see benefits listed beneath the calculator).

Either option will help you to attract new visitors to your website, as well as give your repeat visitors yet another reason to return more often.

Spending Cost Calculator
When you spend money on non-essential, non-investment type products or services, you simultaneously give up the right to earn interest on the money you spent ... for the rest of your life. The same is true when you spend more than necessary on essential and investment-type products and services, i.e., you give up the right to earn interest on the difference. In either case, the total of the money you spend unnecessarily, plus the forgone interest earnings, represents the real cost of spending (usually an amount much higher than is actually printed on the price-tag). Therefore, in order to make wise purchase decisions (expenditures that return a benefit of equal or greater value than their real cost), you must be aware of -- and give full consideration to -- the real cost of each purchase. This calculator will help you to do just that.

A few things to keep in mind:

  • The stock market has averaged a return of 10% over the long run.
  • If you invest your savings in paying off high interest debt, you could earn an even better return.
  • Be sure to include any sales taxes that might apply when entering expenditure amounts.
  • Some items you buy come with additional costs of ownership -- such as repair and maintenance costs, operating costs (gas, electricity, etc.), insurance costs, storage costs, etc..
  • The calculations do not account for inflation.

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:
 
Spending Cost Calculator, Copyright © 2002 - 2011, Daniel C. Peterson, All Rights Reserved.
Web Winder Website Services, Providing Online Calculators for Websites since 1997.

Free Installation Terms Benefits of a Commercial Use License
If you would like to install the Spending Cost Calculator on your site for free, please observe the following terms and conditions:
  • Free installations do not come with and free installation help or support.


  • The copyright and link to my site that appear at the end of the calculator must remain working and visible.


  • The copyright must remain commented into the javascript code.


  • The design and layout of the calculator must remain as is.
If you agree to abide by the above terms you are free to install a copy of this calculator on your website. 		If you purchase a one-time commercial-use license for the Spending Cost Calculator (for as little as $5) you will gain the following benefits:
  • Free installation help and support.


  • Design one template that will be built into all calculators you license.


  • No need to include a link to my site.


  • Free access to future upgrades with your design already built-in.
To purchase a commercial-use license for the Spending Cost Calculator simply create a shopping cart and then visit the Online Calculator Store where you can add calculators to your shopping cart as you browse through the store. The calculator that is on this page can be found in the Personal Finance Calculators section, under the title, "Spending Cost Calculator" (Product ID #25).

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Home > Commercial Calculators > Free Demo Index > Spending Cost Calculator
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Home    Browse Calculators    Calculator License Prices    Help & Support    About Web Winder
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Copyright © 1997 - 2011 Web Winder Website Services, All Rights Reserved

Contact: Dan Peterson
P.O. Box 11
Bemidji, MN 56619
(218) 243-2263

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