The Splurge-o-Meter

The Splurge-o-Meter

How much time does a little extra lifestyle cost?

Your Financials

Your essential, non-splurge spending.

For reference, the average U.S. household spent ~$73k in 2022 (BLS), which in 2025 is around ~$90K adjusting for inflation.

Time to Debt-Free

How much extra are you spending per month?

$1,500
Frugal Comfortable Lavish

Total Yearly Spending

$108,000

Baseline Expenses + Splurge Amount

Disclaimer

These estimates/simulation results are for informational purposes only and should not be considered financial or career advice.

If you want a more comprehensive analysis of "Time to pay off" you can use the Is it Worth It calculator.

If you want to run simulations on different repayment plans, try the Student Loan Repayment Calculator.