The later cost of a repeating spend

Small habits add up. 10yearstime turns a daily coffee, a weekly treat, or a monthly subscription into a clear picture of what that money could become over time — so you can choose with eyes open.

It is not a bank, budget tracker, or financial advice. It is a simple calculator for opportunity cost: cash spent today versus what that cash might grow to if it were invested instead, over a horizon you pick.

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Calculate

Enter an amount and how often you buy it. See cash spent, growth missed at an illustrative return, and the total later cost over 5–30 years.

Scan

Point the camera at a shelf price. OCR locks the number, then shows daily, weekly, monthly, and one-off later costs so you can tap through to Calculate.

Cut back

Model skipping or reducing a habit. Compare cash you keep with what that same money could become if invested at a savings, low, medium, or high illustrative rate.

Goals

Add up habits and cut-backs into a long-term total, set a goal, and see progress by category — including how much of the total is growth missed.

Inside the app

Phone and tablet layouts share the same navy-and-gold look. Phones stay portrait; tablets work in portrait and landscape.

Calculate screen showing later cost and a 10-year chart — **Calculate** Spent, growth missed, and a year-by-year chart

Scan screen locking onto a £2.00 price with later-cost rows — **Scan** Camera OCR on a real price tag

Cut back screen comparing not spent versus invested totals — **Cut back** Cash kept vs invested over your horizon

Goals screen with cumulative total and category chart — **Goals** Cumulative total and progress toward a target

Calculate on tablet with inputs and 10-year chart side by side — **Calculate on tablet** Inputs and results side by side

Scan on tablet locking onto a £2.00 price with later-cost rows — **Scan on tablet** Camera OCR with later-cost rows

Cut back on tablet comparing two frequencies side by side — **Cut back on tablet** Side-by-side habit comparison

Goals on tablet in landscape with category breakdown — **Goals on tablet** Wider layout for category breakdown

Returns shown in the app are illustrations only, not forecasts or advice. iOS is rolling out via TestFlight / the App Store as we open English-speaking markets.

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