§ Calculator · Savings
Daily spend → invested
What this is
What if you redirect a daily spend into a TFSA instead?
$15/day for lunch over 20 years at 6% return is ~$170k. Same logic works for streaming subscriptions, gym memberships, or any recurring small purchase. The point isn't 'don't buy lunch' — it's seeing the long-tail cost of each habit.
Monthly equivalent
$457
Future value (invested)
$210,968
Annual at current spend
$5,475
Spent vs invested over 20 years
Not anti-lunch propaganda. Just math. Some daily spends are worth it; some you wouldn't choose if you saw the 20-year price tag.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.