Opportunity Cost Calculator
It Shows you what that “small thing” you’re about to buy could become if you invested it instead. Spoiler alert, you’ve been throwing away millions.
Why you need this right now: You’re scrolling through your favorite store’s website with that new iPhone in your cart. ₦800,000. “It’s an investment,” you tell yourself. Is it though? This calculator will drag you back to reality faster than your bank balance on January 5th.
How to use it (no stress):
Fill in what you’re thinking of buying. Be honest, no one’s watching. Type “iPhone 15 Pro” or “those sneakers everyone’s wearing” or whatever it is this time.
Drop the actual price. Don’t round down to make yourself feel better. ₦800,000 means ₦800,000, not “around 700k.”
Choose what you could do with that money instead. The calculator gives you options like savings, stocks, learning a skill, or starting a small business. Pick the most realistic one for you. If you’ve never bought stocks in your life, don’t pick stocks just because it sounds cool.
Set the time frame. Think 3 to 5 years. That’s how long it takes for money to actually grow into something you can brag about.
💸 Opportunity Cost Calculator
What are you really giving up?
Watch the magic happen: Stop Flexing, Start Counting
The calculator spits out what that money could become. That ₦800,000 iPhone? Could be ₦2.4 million in 5 years if you invested it in a decent business opportunity. Could fund three different professional courses that actually increase your earning power. Could be your emergency fund when your car breaks down next year and you’re not begging your group chat for “small loan.”
Real talk example: Your friend just bought AirPods Pro for ₦250,000 because “I deserve nice things.” You’re tempted. Run the numbers first. That ₦250,000 in a savings account at 10% annual interest becomes ₦402,628 in 5 years. That’s ₦152,628 free money for literally doing nothing but having self-control for one afternoon.
The wake-up call: Use this before every “I deserve it” purchase over ₦50,000. Not to stop you from living, but to make sure you’re choosing with your eyes open. Sometimes the answer is “yes, buy it anyway.” But at least you’ll know exactly what it costs you.