A tool from the 1337.ai group

Invest it. Instead.

Enter any purchase. See what that money would have become in the S&P 500 — then invest it, in one click, with partners built for indexing.

Run the reckoning ↓ Compare partners →

Sample reckoning

A Tesla Model S

$85,000 · category: automobile

In 30 years, the math renders:

As an automobile $6,800

In the S&P 500 $1.68 M

Opportunity cost

$1,676,200

The Calculator

Any purchase. Any horizon. One honest number.

The three-step

From impulse to portfolio.

See the cost

Run the reckoning above. Any item. Any price. Any horizon from one year to thirty. The math, precisely rendered.

Pick a broker

We compare platforms built for indexing — low fees, low minimums, honest expense ratios. No sponsored rankings.

Invest, instead

One click to open an account. Fund it with what you would have spent. Compound it for thirty years. Do not look until you are old.

Where to invest

The brokers built for indexing.

Wealthfront

Robo-advisor

Fully automated indexing with tax-loss harvesting. Set-and-forget for the thoughtful saver.

Minimum $500 Fee 0.25%

Start here →

Public

Brokerage

Fractional index ETFs, zero commission, a social feed you can mute. No payment-for-order-flow.

Minimum $1 Fee $0 commission

Start here →

M1 Finance

Pie investing

Build a portfolio "pie" of index ETFs. Automatic rebalancing. For those who like a little control.

Minimum $100 Fee $0 commission

Start here →

Betterment

Robo-advisor

The original robo-advisor. Diversified across index ETFs with goal-based planning.

Minimum $0 Fee 0.25%

Start here →

Compare all 6 partners →

Invest it. Instead.

Any purchase. Any horizon. One honest number.

From impulse to portfolio.

The brokers built for indexing.

The weekly letter on what things cost.