Habit Leak Calculator
Model any recurring expense as a monthly SIP you never started. See the compounding cost over 5 to 40 years.
Recurring expense you could redirect to a SIP
Annual return assumption (% p.a.)
Years to compound
Opportunity cost after 30 years
₹1.8 Crore
Annual Cost
₹60,000
Total Spent (30Y)
₹18,00,000
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Calculator guide
How to use the Habit Leak Calculator
Use the habit leak calculator to turn recurring lifestyle spends into long-term opportunity-cost numbers.
What is a lifestyle leak?
A lifestyle leak is a recurring spend that feels harmless in isolation but becomes expensive when repeated every month for years.
Food delivery, subscriptions, cabs, impulse shopping, and convenience fees are common examples. You do not need to eliminate all of them; intercepting one or two can still matter.
Frequently asked questions
Should I cut all discretionary spending?+
No. PaisaProof focuses on intentional spending, not guilt. Keep what you value and intercept what you do not.
Why does a small monthly amount become so large?+
Long time horizons and compounding can turn recurring monthly investments into large future values.