Simulator
Routine cost
Estimates only. Not financial advice. Your inputs stay in this browser.
Coffee, lunch out, transit, dry cleaning—the lines that are easy to shrug off alone. Put them in one currency with monthly and yearly totals and you see what actually repeats. Streaming and phone plans go in the subscription stack. Runs in the browser with no account; totals are normalised estimates so you can feel the weight of habits, not audit them.
One list for the stuff you do on repeat. Edit the seeds or add rows—totals update as you type.
About €343.67 a month, €4,124.00 a year. Coffee is pulling the most weight right now.
- Monthly total
- €343.67
- Yearly total
- €4,124.00
Habits (monthly weight)
- Coffee - €97.33/mo (€1,168.00/yr)
- Weekend taxi - €78.00/mo (€936.00/yr)
- Dry cleaning - €45.00/mo (€540.00/yr)
How it works
Each row has a label, an amount, and how often it happens. We normalize everything to a monthly figure, add it up, and multiply by twelve for a yearly view. The short list at the bottom is the largest lines by monthly weight—just weight, not a verdict.
The seed amounts are a starting sketch; overwrite them to match your city and your habits. Rows without a label are ignored.
How frequencies convert
- Daily → multiply by average days per month (365 ÷ 12).
- Weekly → multiply by 52 ÷ 12 for a typical month.
- Monthly → as entered; yearly → divide by 12.