Your Information (Modify the values presented below according to your needs) How old are you today?       At what (future) age do you plan to retire?     Expected Inflation Rate (p.a.)   %   Expected (nominal) Investment Return (p.a.)   %     Quantity Weekly or Daily Per Unit, Cost Total Today Pack of Cigarettes weekly daily $ $ Cup of Coffee weekly daily $ $ Half-dozen Donuts weekly daily $ $ One Lottery Ticket weekly daily $ $ Eating-out Lunch weekly daily $ $ Magazine weekly daily $ $ Other Habits weekly daily $ $
	Your Result Total Weekly Discretionary Habit Spending. $ Total Spent Until Retirement $ Future (nominal) Value if You Save Instead $ Estimate Upon Retirement   Per Unit, Cost If you refrain today, how many units can you afford per WEEK in retirement? Pack of Cigarettes $ Cup of Coffee $ Half-dozen Donuts $ One Lottery Ticket $ Eating-out Lunch $ Magazine $ Other Habits $

We wish to thank York University Professor Moshe A. Milevsky, and researchers at the Individual Finance and Insurance Decisions (IFID)Centre, a non-profit corporation, housed at the Fields Institute in Toronto, for developing the content of this calculator.