Daily vices calculator
The Bad Habit Audit
Four questions. One uncomfortable number. Auntie Randie is watching.
1. What's your poison?
2. The damage per hit
3. How long has this been going on?
4. How long are we keeping this up?
Auntie Randie's verdict
“Every month you're tipping your habit like it's a waiter.”
Monthly burn
Yearly burn
Already up in smoke
over 5 years
Still to come
over 15 years with 5.5% inflation · R246,544 in today's money
If you'd invested it instead (10 years)
≈ R231,695 in today's money
That money has left the chat — no point crying over spilt milk. What matters is the next chapter: redirecting your monthly burn into an index fund at 12.5% p.a., stepping up with 5.5% inflation. What's changing from today?
Cut back your habit and invest the difference
Cut 50%You keep R685 a month. Invested for 15 years, that grows to (R212,840 in today's money). By then each hit costs about R100.
Illustrative estimates only. Investment growth assumes 12.5% a year (a conservative long-term SA equity return). Habit prices and your monthly savings rise with 5.5% inflation a year (long-term SA CPI benchmark). Not financial advice.