Mindset
You need less than you think: the case for a smaller number
Cutting CHF 1,000 from monthly spending can move your independence date by years. Where the money really goes and how to cut without feeling poorer.
The real cost of a habit
Not a lecture: a daily coffee can be worth it. This shows what a habit costs in money and in months of freedom, so you can decide.
Your result
- If invested instead
- CHF 50’596
- Months of freedom
- 13 months
- Per year
- CHF 1’440 / year
- Spent in total
- CHF 28’800
Your result, explained
The habit costs CHF 1’440 / year. Invested for 20 years instead, it could grow to CHF 50’596: about 13 months of your current spending, without work.
Estimates for planning, not advice. Use at your own risk. Read the full disclaimer
How it is calculated
- Spent = price × times per month × 12 × years.
- If invested = the same monthly amount growing at the real return.
- Months of freedom = invested amount ÷ your monthly spending.
More on spending with intention in you need less than you think.
Frequently asked questions
Should I cut every small expense?
No. Cut what you do not notice and keep what you value. Large recurring costs such as housing, cars and insurance usually matter more.
What are months of freedom?
The invested amount divided by your monthly spending: how long it could pay for your life without work.
Why invest instead of saving?
Over long periods, investments have grown faster than savings accounts. The return is an assumption you can change.
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