What that latte is really costing you, in CAD.
Type any price. CostMe shows what it could be worth in 30 years if you invested it instead, using the S&P 500, priced in Canadian 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 CAD
EditableOr pick an example
in 30 years
Assumes 13.8% a year, VFV.TO, compounded monthly.
Past performance does not predict future results. CostMe shows this for opportunity-cost math, not investment advice.
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Through a TFSA, your gains stay yours.
Money that grows inside a Tax-Free Savings Account is not taxed on the way out. So the second number you see here, what the purchase could have become, is closer to what you would actually keep. That is context, not tax advice.
CostMe is not a TFSA 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 VFV.TO, the index Canadians already recognize.
A local benchmark, not a U.S. one
CostMe does the opportunity-cost math against VFV.TO at 13.8% a year, so the second number is framed in the currency and market you live in. Long-run average: 13.8% per year, 1994 to 2023.
Lifted by a long stretch of U.S.-dollar strength. A weaker loonie pulled this up, and a stronger one would pull it back down.
Built for the purchases you actually make
The daily double-double, the subscription you forgot, the upgrade you did not need. Small Canadian 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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See what your next purchase could become.
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Past performance does not predict future results. CostMe shows this for opportunity-cost math, not investment advice.