Recent Calculations
One of the best ways to increase your savings is to spend less. Even a simple change such as bringing a bagged lunch to work a few times a week can make a difference. This calculator illustrates how a little lunch savings can go a long way.
Average cost of bringing a bagged lunch from home. Make sure to include the total cost of your lunch. If you buy a drink (instead of packing it) make sure to include that amount here.
Average price of your lunch when you buy your meal.
The number of lunches you will bring from home each month. The average number of working days in a month is about 20.
This is the annually compounded rate of return you expect from your investments. If you pay taxes on the interest, dividends or capital gains from these investments you may wish to enter your after-tax rate of return.
The actual rate of return is largely dependent on the type of investments you select. For example, the total return including dividends of the S&P/TSX Composite Index for the 10 year period ending December 31, 2025 was 12.5% (source www.spglobal.com). Savings accounts at a bank or credit union may pay as little as 2% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido.
The number of years you are going to save your lunch money.
Total you should be able to save each month by bringing your lunches from home.