固定費vs運用

Have you ever considered how much money you'd have in the future if you invested the money you routinely pay as "fixed expenses"—monthly subscriptions, daily cigarette costs, and so on?

"Fixed Expenses vs. Investment" is a simple financial simulation calculator that clearly shows you the "what if" scenario in numbers. No complicated settings or registration are required. Simply enter the amount and period, and the results will update instantly.

■ What you can learn from this app

【1】"Future Value" and "Investment Profits" when investing fixed expenses
What if you invested your planned fixed expenses at the same pace? Calculate the future amount that would grow with compound interest, and the net investment profit after subtracting the total amount paid. This reveals the true cost of "continuing to pay."

【2】The amount of assets needed now to "cover those fixed expenses with investment profits"
Reverse the thinking. Calculate how much assets you need now to cover your monthly fixed expenses solely with profits from asset management.

This tool displays two payment plans simultaneously: • Funded solely by investment gains (payments made semi-permanently without reducing the principal)
• Combined with withdrawals (payments made by drawing down principal within a set period)
This is useful for creating a benchmark for FIRE (Financial Independence, Retire Early) and retirement funds.

■ Easy 3-Step Usage

1. Enter the amount of fixed expenses and payment interval (daily/5 times a week/weekly/monthly/yearly)

2. Set the calculation period and expected annual return

3. Results (future value, investment gains, required assets) are automatically displayed

The entered values ​​are automatically saved, so you can continue from where you left off next time.

■ Recommended for:

* Those considering reviewing subscriptions and fixed expenses
* Those curious about "What would happen if I invested the money I saved?"
* Those wanting to know their target amount for FIRE, early retirement, or retirement funds
* Those wanting to visualize the effect of compound interest in concrete amounts
* Those wanting "decision-making information" for financial decisions

■ Features

* Instant calculation with just input; results updated in real time
* Flexible payment intervals from daily to yearly
* Selectable withdrawal pace (lump sum at the beginning of the year / at the time of payment)
* Intuitive to use with Japanese yen display and Japanese UI
* Works offline. Input data is saved only on the device
* Simple and easy-to-read design

■ Notes on Use

This app is an informational and calculation tool for thinking about money, and does not recommend or solicit the purchase of any specific financial product. The calculation results are theoretical values ​​based on the entered assumed rate of return, etc., and do not guarantee future investment results. Actual investment decisions should be made at your own risk, and you should consult with a professional as needed.

Looking at the numbers might change how you deal with fixed expenses. First, try entering your fixed expenses.