Cost of Vices Calculator
See the long-term cost of small weekly habits.
Enter your habit
Cost of vices calculator guide for UK households
WeCovr's cost of vices calculator helps UK households estimate the long-term cost of weekly habits, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. WeCovr also supports private medical insurance UK planning, while this guide explains opportunity cost.
What this cost of vices calculator estimates
The calculator estimates how weekly spending grows over time, including an optional investment return rate.
It provides a long-term opportunity cost estimate rather than a guaranteed outcome.
Projects cumulative spend over time.
Applies a growth rate to show opportunity cost.
Highlights annual spending impact.
Why opportunity cost is powerful
Small weekly costs can compound into large totals over years, especially with reinvestment.
How to use the result
Use the estimate to evaluate lifestyle trade-offs and set realistic savings goals.
Why WeCovr supports healthier choices
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references UK habit spending benchmarks and long-term savings guidance.
Weekly spend scenarios
| Weekly spend | Years | Growth rate | Outcome |
|---|---|---|---|
| £30 | 10 | 5% | £4k+ opportunity |
| £60 | 20 | 5% | £25k+ opportunity |
| £100 | 20 | 5% | £40k+ opportunity |
Related WeCovr resources
FAQs
Is the investment return guaranteed?
No. The growth rate is an assumption and not a guarantee.
Does this include inflation?
No. It is a nominal estimate based on your inputs.
Can I set growth to zero?
Yes. This will show a pure spending total without investment growth.
Is this financial advice?
No. It is an informational guide only.