How It Works Under the Hood
Aggregates your active recurring costs and applies compound interest equations assuming an 8-10% historical stock market return.
Step-by-Step Instructions
Add your subscriptions with quick presets (Netflix, Spotify, ChatGPT, Gym).
Adjust the estimated annual return slider (default 8% S&P 500 historical).
Inspect compound growth projections over 3, 5, 10, and 20 years.
Key Features & Performance
- Preloaded library of common subscription costs with one-click toggles
- Calculates real wealth forgone over 5, 10, and 20 years
- Privacy-first: financial data is never stored or transmitted
Local Browser Processing & Privacy
Traditional web converters upload your documents, snippets, or media files to remote servers. Subscription Creep & DCA Opportunity Cost runs inside your browser tab:
Your input text and files are processed locally without uploading payloads to a processing server.
Microdeck does not log or store the files or inputs you paste into tool workspaces (normal static hosting/CDN requests still load page assets).
Working outputs stay in your browser tab and are released when you reset the tool or close the tab.
Frequently Asked Questions
What interest rate is used for the investment comparison?
The calculator defaults to an 8% inflation-adjusted annual return, which aligns with the historical long-term average of the S&P 500 index.
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