How is it calculated?
The calculation starts with the habit's monthly cost: price per time × times per week × 52 weeks ÷ 12 months. In the example: a ₪15 coffee, seven times a week — 15 × 7 × 52 ÷ 12 = about ₪455 a month. Over 20 years that is cumulative spending of about ₪109,000 (455 × 240 months).
The second step calculates what would happen if that ₪455 were deposited every month into an investment with a 7% annual return, compounded monthly. After 20 years the result is about ₪237,000 — more than double what was actually spent. The return rate is an illustration only and can be changed in the calculator; past returns do not guarantee future returns.