Subscription Vampire - Custo real das assinaturas
Converte pagamentos mensais em custo de oportunidade com juros compostos.
Advanced Settings
S&P 500 historical average is ~10% nominal. Use 7% for inflation-adjusted returns.
Streaming services typically increase prices 5-10% per year.
Default projections show 10 and 20 years. Add a custom time horizon.
Capital gains tax reduces actual returns. 0% for tax-advantaged accounts (IRA/401k), 15-25% for taxable accounts.
Monthly Drain
10-Year Lost Opportunity
20-Year Lost Opportunity
Custom Projection
💡 Reality Check
Projections use the investment return rate and tax drag you specified. This calculation models monthly contributions with compound growth. Past performance does not guarantee future returns.
Not all subscriptions are "vampires" - keep what truly adds value to your life!
Por que importa
Formula: FV = PMT × [(1 + r)^n - 1] / r.
Pequenas assinaturas mensais crescem muito no longo prazo.