Do small expenses really make a difference?

Yes. A 50 TL/day habit costs 18,250 TL/year, 182,500 TL in 10 years. If invested at 15% annual return, this would reach approximately 420,000 TL in 10 years.

Which habits should I evaluate?

Examine regularly recurring expenses with alternatives: outside coffee, smoking, fast food, unnecessary online shopping. Even reducing frequency instead of quitting entirely makes a big difference.

What is opportunity cost?

When you spend money, you give up what that money could have earned if invested. This "opportunity cost" compounds over the years with compound interest.

Spending Habit Analyzer

Your Spending Habits

Habit	Amount (₺)	Frequency

Investment Return Rate (%)

Expected annual return if these amounts were invested instead

Habit	Daily	Monthly	Yearly	Share
Total	-	-	-	%100

This calculator is for informational purposes only. Results are estimates and may differ from actual values.

Conscious Spending Guide

The Latte Factor

A concept popularized by David Bach: Small daily expenses (coffee, snacks, unnecessary shopping) add up to large amounts. 50 TL/day = 18,250 TL/year = 182,500+ TL in 10 years.

Habit-Changing Tips

Think "how many hours do I work for this?" before every purchase.
Reduce habits gradually instead of quitting cold turkey.
Buy a home coffee maker to cut outside coffee cost by 80%.
Make a grocery list to prevent impulse shopping.
Use a spending tracker app to increase awareness.

Info

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Spending Habit Analyzer

Your Spending Habits

Results

Habit Details

If Invested Instead

What Is It Equivalent To?

How Many Hours Do You Work for This?