If invested instead
If invested, by year
- Year 540,04047,511
- Year 1080,080114,149
- Year 15120,120207,611
- Year 20160,160338,696
- Year 25200,200522,550
- Year 30240,240780,415
Frequently asked questions
No — and that's the point. Most people who skip the daily coffee don't actually invest the AED 22. They spend it on something else. The calculator shows the theoretical maximum opportunity cost. The real saving is somewhere between AED 0 and the number shown, depending on your discipline.
S&P 500 historical real return (after inflation) since 1928 is approximately 7% per year. Some years are -30%, some are +30% — the 7% is the long-term average. UAE-traded ETFs tracking US indices (via Sarwa, ADCB Securities, etc.) target similar long-term returns.
Cut frequency instead of going cold turkey. Going from 7 days/week to 4 days/week on an AED 22 coffee saves roughly AED 3,400/year. Over 30 years at 7%, that's the price of a small car. Most people sustain a partial cut where they fail at zero.
Yes — but they're nearly impossible to calculate cleanly so we don't include them here. UAE life-insurance premiums for a smoker are roughly 2× a non-smoker, and the average pack-a-day smoker faces ~10 years lower life expectancy according to WHO. The financial cost shown here is a lower bound.
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