Price what you skip. Every purchase has a hidden price tag.
$50/day is $2.5M in 30 years. You already know the price. You don't know the price tag.
Free · no signup · 76% pause when the second number is on screen
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Try any price
EditableOr pick an example
in 30 years· 10yr: $44,600
Real 1995-2025 S&P 500 closes, dollar-cost averaged. Price appreciation only, dividends excluded. In the app you can set your own rate: your TFSA return, or a dividend ETF like VDY or XDIV. Supports CAD.
Free · in your browser · no signup needed
“I closed the tab. The second number did what three budgeting apps never could. It made me pause without making me feel small.”
One number that
stops the swipe.
Every price has a second version. What it would become if you invested it instead. CostMe shows that number for everything from a $4 coffee to a $4,000 trip, before you decide.
of decisions get a pause when the second number is on screen.
Wins disappear.
So you swipe again.
Skipped buys vanish from memory, and that's why the next urge always wins. The vault keeps every resist as proof: a typical first-quarter vault holds $4,830. Not buying finally feels like buying.
a typical first-quarter vault, kept instead of spent.
68% kept this quarter · example
“Amy talked me out of a gadget I would have returned in a week, and into the trip I actually wanted. Calm, never preachy.”
A calm second opinion
before you tap buy.
Amy thinks the purchase through with you and gives a real read. What you would give up, whether it is a use or an impulse, what to do instead. Calm, never preachy, 24/7, in the moment you almost tap buy.
a second opinion in the moment you almost tap buy.
See the pattern
before it costs you.
Late-night taps rising? Awareness Radar shows the pattern as a quiet card on your home screen. Not a nag, not a notification you have to read. Built on 50 years of behavioral finance, not willpower lectures.
Shipping with Profile and Context (V1.4).
Not a willpower app. A framing one.
CostMe does not ask you to want things less. It changes what a price means in the moment you reach for your card. Built on decades of behavioral-finance research, not vibes.
Citations and the full reasoning live on the CostMe blog.
One Amy, three depths.
Same Amy, same warmth. The tier sets how deep she goes and how long you have with her.
Jade
FreeFree
Full calc + vault + 5 Amy chats a day. Start here; upgrade when you want more Amy.
Opal
Member$7.99/mo($95/yr)
Amy unlimited. Chat as much as you want, with deeper analysis when a decision needs it.
Flint Pro+
Lifetime$149 CAD$199
Pay once. Every feature CostMe (Flint Pro+) ships now and everything we ship later.
vs $95/year forever = pays for itself in 19 months
“Watching the vault grow is oddly addictive. Not buying finally feels like getting something.”
Pro+ lifetime, for one payment.
Founders Lifetime is $149.99. Every feature CostMe (Flint Pro+) ships now and everything we ship later. After the first 50, Standard Lifetime takes over at $199.
About CostMe.
What is opportunity cost, and why does it matter?+
Opportunity cost is the value of what you give up when you make a choice. When you spend $200 on a jacket, the real cost isn't $200. It's what that $200 would be worth if you'd invested it instead. Over 30 years at the S&P 500's long-run average return (~10%), that $200 becomes roughly $4,000. CostMe shows you this second number before you decide.
Why does CostMe use a 10% return rate?+
10% is the historical long-run average annual return of the S&P 500 over the last ~100 years, with dividends reinvested. It's a widely cited benchmark in personal-finance education. If you prefer, you can set a more cautious or more aggressive assumption in settings.
Do I need an account to use CostMe?+
You can run a number on this page without one. A free account keeps your vault, goals, and Amy in sync across every device, and carries your tier with you. One signup, same Amy everywhere.
What plans are available?+
Four tiers, all built around the same Amy. Jade is free forever: the calculator, the vault, and Amy for five thoughtful chats a day. Opal at $7.99/month unlocks unlimited chat with deeper analysis when it counts. Flint Pro+ at $19.99/month is Amy at her sharpest. Flint Max, a web-only top tier, is available for the decisions that warrant the deepest reasoning.
What data does CostMe collect?+
Your calculations, decisions (vault / 48-hour / bought), subscriptions you track, your conversations with Amy, and no-PII product-usage analytics. Stored so cross-device sync and your own tracking work. Encrypted in transit and at rest. No ad networks, no data brokers, no data sold. Full specifics live in the privacy policy.
What devices can I use CostMe on?+
CostMe is available on the web and as a native app on Android via Google Play. You can also install it to your home screen on iOS where it runs full-screen like an app. Native iOS is coming soon, and your account, plan, and data sync across all your devices.
Try it tonight.
Next time you almost spend something, open CostMe first. One number that is the whole product.
Free on web & Android · works on any device · 30 seconds to start