10yearstime

Small repeating spends add up. 10yearstime shows what a daily coffee, weekly treat, or monthly subscription could become over time — so you can choose with eyes open. HOW IT WORKS Enter an amount and how often you buy it. Pick a horizon (5–30 years) and an illustrative annual return. Instantly see cash spent, growth missed, and the total later cost — with a clear year-by-year chart. FEATURES • Calculate — turn any habit into spent, growth missed, and together over your horizon • Scan — point the camera at a shelf price; OCR locks the number and shows daily, weekly, monthly, and one-off later costs • Cut back — model skipping or reducing a habit; compare cash you keep with what that money could become if invested • Goals — add habits and cut-backs into a long-term total, set a target, and see progress by category WHO IT’S FOR Anyone who wants a clearer picture of opportunity cost before they tap “buy again” — not a bank, budget tracker, or investment product. IMPORTANT Returns in the app are illustrations only. 10yearstime is a calculator for opportunity cost, not financial advice, and does not guarantee future investment performance.