Your Information

(Modify the values presented below according to your needs)

How old are you today?
At what (future) age do you plan to retire?
Expected Inflation Rate (p.a.)				%
Expected (nominal) Investment Return (p.a.)				%
	Quantity	Weekly or Daily	Per Unit, Cost		Total Today
Pack of Cigarettes		weekly daily	$		$
Cup of Coffee		weekly daily	$		$
Half-dozen Donuts		weekly daily	$		$
One Lottery Ticket		weekly daily	$		$
Eating-out Lunch		weekly daily	$		$
Magazine		weekly daily	$		$
Other Habits		weekly daily	$		$

Your Result

Total Weekly Discretionary Habit Spending.	$
Total Spent Until Retirement	$
Future (nominal) Value if You Save Instead	$

Estimate Upon Retirement

	Per Unit, Cost		If you refrain today, how many units can you afford per WEEK in retirement?
Pack of Cigarettes	$
Cup of Coffee	$
Half-dozen Donuts	$
One Lottery Ticket	$
Eating-out Lunch	$
Magazine	$
Other Habits	$

We wish to thank York University Professor Moshe A. Milevsky, and researchers at the Individual Finance and Insurance Decisions (IFID)Centre, a non-profit corporation, housed at the Fields Institute in Toronto, for developing the content of this calculator.