What that latte is really costing you, in AUD.
Type any price. CostMe shows what it could be worth in 30 years if you invested it instead, using the U.S. total market, priced in Australian dollars. One calm number, right before you decide.
Past performance does not predict future results. CostMe shows this for opportunity-cost math, not investment advice.
Your price, in AUD
EditableOr pick an example
in 30 years
Assumes 14% a year, VTS.AX, compounded monthly.
Past performance does not predict future results. CostMe shows this for opportunity-cost math, not investment advice.
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Through superannuation, tax advantages compound.
Money inside super is taxed at a concessional rate while it grows, so more of each year's return stays invested and compounds. That is part of why the second number here can run ahead of a plain savings account. That is context, not tax advice.
CostMe is not a superannuation and does not move your money. It is the quiet second number you see before a purchase. The math is yours to act on.
The math runs on VTS.AX, the index Australians already recognize.
A local benchmark, not a U.S. one
CostMe does the opportunity-cost math against VTS.AX at 14% a year, so the second number is framed in the currency and market you live in. Long-run average: about 14% per year, measured in AUD.
Lifted by years of U.S.-dollar strength against the Aussie dollar. A stronger AUD would pull this back down.
Built for the purchases you actually make
The daily flat white, the buy-now-pay-later tap, the upgrade you talked yourself into. Small Australian purchases, repeated, are where the real opportunity cost hides.
CostMe meets you in that one second before the tap, with no shame and no broken-streak guilt. Just the number, and your decision.
New to index investing? Read what an ETF actually is or index fund vs ETF, both in plain English.
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Past performance does not predict future results. CostMe shows this for opportunity-cost math, not investment advice.