Invest-instead calculator

What your weekly ticket spend becomes if invested at a chosen return — chart and table over 5–40 years.

Weekly ticket spend *Assumed annual return % *%

5 yearsspent 5,200 → invested 6,221

10 yearsspent 10,400 → invested 15,047

15 yearsspent 15,600 → invested 27,569

20 yearsspent 20,800 → invested 45,335

25 yearsspent 26,000 → invested 70,539

30 yearsspent 31,200 → invested 106,298

40 yearsspent 41,600 → invested 229,004

Horizon	Total spent on tickets	Invested instead	Difference
5 years	5,200	6,221	1,021
10 years	10,400	15,047	4,647
15 years	15,600	27,569	11,969
20 years	20,800	45,335	24,535
25 years	26,000	70,539	44,539
30 years	31,200	106,298	75,098
40 years	41,600	229,004	187,404

Ordinary-annuity future value at the assumed return, compounded weekly, before fees, inflation and tax. See the honest comparison.