Question 1

Why calculate the cost of a habit?

Accepted Answer

We rarely realise how much money goes on small daily expenses. A cup of coffee at 20,000 UZS per day is 600,000 per month and 7,300,000 per year. Visualising it helps you make a conscious decision.

Question 2

How does the investment calculation work?

Accepted Answer

The calculator applies the future value of an annuity formula: each month you contribute the saved amount and it grows at compound interest. At 15% per year, 200,000 UZS/month will become 83M in 10 years and 565M in 20 years.

Question 3

What investment return should I enter?

Accepted Answer

For a bank deposit in Uzbekistan, 20–24% per year is realistic (2025). The stock market historically gives 10–15% in dollar terms. For a conservative estimate use 10–12%, for a realistic one — 15–20%.

Question 4

How to use the calculator for multiple habits?

Accepted Answer

Calculate each habit separately, then add up the monthly amounts. Or enter the total cost of several habits at once with quantity = 1.

Habit Cost Calculator

Frequently Asked Questions