Opportunity Cost Calculator
Buy It or Invest It?
Every rupee you spend is a rupee that can't compound. See exactly what your purchase costs in future wealth — and what the same money would be worth if invested.
10 years
1 yr10 yrs30 yrs
12% /yr
4% (FD)12% (equity avg)20%
In 10 years, the same $100,000 is worth…
If You Buy
$5.6K
(resale value after 10yr)
Lost $94.4K to depreciation
If You Invest
$310.6K
at 12% annual return
+$210.6K growth
True Cost of Buying Your Purchase
$310.6K
= $100,000 purchase price + $210.6K opportunity cost
Investment grows
55.2×
vs purchase resale
Opportunity cost
$210.6K
foregone wealth
Value over 10 years
If you invest $100,000 today at 12%, it grows to $310.6K in 10 years.
The Your Purchase, meanwhile, would have a resale value of roughly $5.6K.
This isn't a reason to never buy — it's a lens to see the real cost of every decision.