Coffee run
A latte with whatever syrup makes a Tuesday a Tuesday.
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A game, not a budget app
What could you do with your surplus?
Pick a monthly or annual surplus, then go shopping. Coffee runs, sneakers, a Tesla, a small yacht, naming rights to a stadium — we’ll keep score while you build the spree.
Your surplus
How much have you got to play with?
Roughly $19,680/yr at this rate.
Per
How much you’ve made while browsing
This stays in your browser. We don’t save it.
Earned right nowEnter your annual salary to start the Money Meter.Add a salary to start the ticker.
Enter an annual salary above to find out how much you’ve made while deciding whether to buy a tiny horse.
Cheap thrills
Tiny purchases that fix a Tuesday.
- $6
- $11
Big Mac combo
Two beef patties, mild regret, undeniable craving solved.
0 - $16
Movie ticket
Two hours of dark room, one bucket of unreasonable popcorn.
0 - $25
Pizza night
Large pie, garlic knots, no dishes. The deal of the century.
0 - $30
Bestseller hardback
Buy the book everyone keeps quoting. Read it eventually.
0 - $15
Streaming month
Thirty days of ‘let’s just watch one episode.’
0 - $50
Arcade night
Tokens, skee-ball, the slow accumulation of paper tickets.
0 - $18
Ice cream run
Two scoops, sprinkles, the small thrill of choosing waffle cone.
0 - $35
Car wash + detail
Foam, vacuums, the disturbing thrill of a clean dashboard.
0 - $75
Tank of gas
A fill-up. The vehicle is grateful. Briefly.
0 - $80
New hoodie
Soft, oversized, immediately your favourite.
0 - $25
Flip flops
Foam soles, summer footwear with strong opinions.
0
Responsible moves
Boring on the outside, deeply attractive on the inside.
- $1,200
Emergency-fund month
One month of ‘oh no, the water heater’ insurance, prepaid.
0 - $250
Extra debt payment
Stab the principal. The principal hates this.
0 - $583
Roth IRA contribution
Pay tomorrow-you. Tomorrow-you would like a hug.
0 - $250
Brokerage deposit
Index funds: the quiet, boring billionaires of the lineup.
0 - $200
HSA contribution
Tax-advantaged money for the bones you’ll inevitably break.
0 - $180
Therapy session
An hour of expensive listening. Surprisingly load-bearing.
0 - $35
Term-life insurance month
Pennies a day to be unambiguously the good guy in your will.
0 - $400
Estate-planning consult
Decide who gets the espresso machine. Reduce group-chat blast radius.
0 - $60
Annual physical copay
Find out what’s wrong on purpose, before something finds out for you.
0 - $40
Gym membership month
Pay the gym every month, attend twice, retain moral high ground.
0 - $250
Will & basic estate docs
A grown-up afternoon and a much smaller mess later.
0 - $80
Oil change
Forty minutes that prevent a four-figure engine surprise.
0 - $900
New tires (set of 4)
The single best thing you can do for braking distance.
0 - $200
House cleaner visit
Three hours of someone else’s vacuum. Worth more than dollars suggest.
0 - $500
Insurance-deductible fund
Sets aside the worst-case ‘deductible’ so it doesn’t become an emergency.
0 - $300
Home-repair fund
For the day the sink decides to communicate with the basement.
0
Food & fun
Eating, drinking, performing happiness in public.
- $140
Nice dinner for two
Cloth napkins, candles, mutual eye contact. Worth it.
0 - $120
Sushi night
Omakase energy on a Wednesday. Soy sauce on the new shirt.
0 - $180
Lobster dinner
Dinner that requires both bibs and life choices.
0 - $80
Date-night cocktails
Negroni, smoky thing, Negroni again. Pretend you’re cosmopolitan.
0 - $180
Wine-tasting day
Six wines, a cheese board, and the word ‘legs’ used unironically.
0 - $90
Brunch with friends
Eggs Benedict, six lattes, two hours of group decision paralysis.
0 - $150
Concert ticket
Lower bowl, average view, life-altering chorus.
0 - $75
Comedy-show ticket
Two-drink minimum, one belly-cramp guarantee.
0 - $250
Stadium game, good seats
Close enough for the jumbotron. Far enough to keep your dignity.
0 - $250
Spa day
Ninety minutes of being a very expensive cucumber.
0 - $400
Medium tattoo
An hour of vibrating regret. A lifetime of conversation starter.
0 - $2,500
Champagne brunch for 20
A two-hour ovation for being the kind of person who throws this.
0 - $1,200
Food-truck block party
Tacos, sliders, churros — your neighbours suddenly know your name.
0
Tech & gaming
Toys, gear, reasons to open another tab.
- $250
Pro wireless earbuds
Tiny computers that politely cancel the world for you.
0 - $800
New smartphone
All the camera you’ll ever need. Still won’t make you a photographer.
0 - $500
Gaming console
Either three sleeping hours or your next personality trait.
0 - $2,200
Gaming PC build
RGB everything. Smells faintly of plastic and pure joy.
0 - $1,200
Mid-range laptop
Fast enough for everything, light enough to actually carry around.
0 - $900
4K TV upgrade
Now you can see the actors’ pores. Truly the future.
0 - $1,500
Mirrorless camera
The good camera that will live entirely on a shelf. Worth it anyway.
0 - $900
Mid-range drone
Aerial shots, alarming buzz, three lawful flying spots in your city.
0 - $700
Espresso machine
Hisses dramatically. Saves real money in year two.
0 - $3,500
Home-theater setup
Five speakers, one subwoofer, neighbours who finally call.
0 - $500
VR headset
Workout in your living room. Punch a virtual cube. Sweat profusely.
0 - $4,500
Racing simulator rig
Wheel, pedals, shifter. You will drive faster than any real car you own.
0 - $800
3D printer
Print one Yoda. Cure all desire to print anything else for six months.
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Style & status
Carries the same stuff. Says different things about you.
- $140
Fresh sneakers
New shoes won’t make you faster. Will absolutely make you happier.
0 - $4,200
Designer handbag
Carries the same stuff as a $40 bag. Says different things about you.
0 - $5,500
Statement diamond ring
A small rock. A large moment.
0 - $11,000
Luxury watch
Time is a flat circle. This one is stainless steel.
0 - $2,200
Custom-tailored suit
It fits. The whole room can tell. Hard to overstate.
0 - $1,800
Gold chain
Subtle? No. Confident? Absolutely.
0 - $400
Fancy sunglasses
UV-rated. Outfit-rated. Plane-window-fogging-rated.
0 - $600
Personal stylist consult
Someone tells you what to wear. Suddenly your closet works.
0 - $1,500
Wardrobe refresh
Six new staples, two splurge pieces, one bin for the closet purge.
0 - $4,000
Red-carpet outfit
For the gala you’ll absolutely be invited to any day now.
0
Travel & experiences
Memories you can dine out on, literally.
- $600
Beach weekend
Two nights, one tank of gas, zero meetings.
0 - $900
3-night Airbnb
Strange kitchen, strangers’ art, strong opinions about the duvet.
0 - $1,800
International long weekend
Two oceans, three timezones, one passport stamp you’ll mention forever.
0 - $3,200
Disney trip (3 days)
Magic, churros, and the cardio of your life pushing a stroller.
0 - $2,400
5-day cruise
Eight buffets, three pools, one karaoke night you’ll think about for years.
0 - $5,500
First-class flight
A lie-flat seat and lifelong elevated expectations.
0 - $9,500
European vacation (2 weeks)
Three cities, two trains, one impromptu Italian lesson.
0 - $6,500
Safari week
Big animals, small jeep, photos no Instagram filter improves.
0 - $450
Music-festival pass
Three days of headliners, sunburn, questionable sandwich choices.
0 - $400
Helicopter tour
Twenty minutes of seeing your city the way it sees you back.
0 - $12,000
Super Bowl trip
Tickets, flights, hotel, the smug satisfaction of having been there.
0 - $4,000
VIP concert suite
Open bar, soft pretzels, parking included. Behave.
0 - $25,000
Space-tourism deposit
Ten minutes of weightlessness, a lifetime of casually mentioning it.
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Vehicles & toys
Loud, fast, occasionally sensible.
- $3,000
Used compact car (down)
The most rational purchase in the catalog. Will outlive us all.
0 - $5,500
Full-size pickup (down)
A truck for the occasional thing you absolutely need a truck for.
0 - $6,500
Electric car down payment
Sub-5-second 0–60, autopilot that occasionally swerves at shadows.
0 - $7,500
Motorcycle
Fun, dangerous, occasionally a personality. Helmet included.
0 - $2,500
Jet ski (down)
Six months of bragging, six months of trailer-storage politics.
0 - $1,100
Boat payment (one)
The cheapest month of boat ownership. The others are worse.
0 - $8,500
Tricked-out golf cart
Street-legal in seven retirement communities. Lights, speakers, suspicious horn.
0 - $3,200
Premium e-bike
Climb hills like a casual show-off. Arrive everywhere not sweaty.
0 - $5,500
Vespa
A scooter that earns you a small unjustified accent.
0 - $15,000
Sports car down payment
Two doors, eight cylinders, one insurance company on speed dial.
0 - $25,000
Monster truck down payment
Six-foot tires, eleven-foot ego. Parks like a battleship.
0 - $12,000
RV down payment
Mobile kitchen, mobile bathroom, mobile bickering.
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Real estate & home
Walls, roofs, suspiciously large kitchens.
- $9,500
Backyard patio project
Pavers, lights, a small grill. Suddenly hosting season.
0 - $9,000
Hot tub install
A small lake of bubbles. Increases backyard charisma 300%.
0 - $2,500
Home gym setup
Squat rack, plates, mirror. Best-case: you use it. Worst-case: nice coat rack.
0 - $14,000
Kitchen refresh
New counters, paint, fixtures. Sudden interest in hosting.
0 - $7,500
Pool install deposit
Step one of a multi-year backyard renovation. Bold of you.
0 - $18,000
Solar panel install
Roof, inverter, the rare household purchase that pays you back.
0 - $65,000
Tiny house
Three hundred square feet of intentional living. Bring fewer pants.
0 - $40,000
Lake cabin down payment
Wood smoke, loon calls, a screen door that always slams.
0 - $75,000
Beach condo down payment
Salt-air balcony, HOA you’ll come to know personally.
0 - $350,000
Mansion down payment
Five bedrooms, two staircases, one suspiciously named ‘great room.’
0
Rich-person nonsense
Things you absolutely do not need and absolutely deserve.
- $4,500
Tiny horse
Yes, an actual small horse. Mostly the price is hay. We checked.
0 - $25,000
Pet tiger lawyer fund
For when state law and your taste in cats disagree.
0 - $2,800
Personal assistant for a week
Five days of someone returning your emails. Profoundly healing.
0 - $1,200
Butler for a day
Eight hours of someone calling you ‘sir’ unironically. Highly recommended.
0 - $6,000
Chauffeur for a month
You will arrive on time. Always. Even your phone is impressed.
0 - $3,500
Personal chef for a week
Five dinners, three lunches, no dishes. Your guests will move in.
0 - $400
Buy everyone in the bar a round
Twelve minutes of being unanimously beloved.
0 - $50
Name a star
A certificate. A vibe. Astronomers will quietly disapprove.
0 - $3,000
Commission a portrait
Oil on canvas. Your grandkids will absolutely sell it.
0 - $25,000
Build a secret room
A bookshelf that opens. A small lounge. One regret about the price.
0 - $8,500
Install a slide in your house
From the loft to the living room. Statistically the happiest stairs upgrade.
0 - $14,000
Gold-plated toilet
Function: average. Form: deeply unhinged. Resale: terrible.
0 - $1,200
Champagne tower
Glasses, bubbles, a single satisfying pour. Photo: mandatory.
0 - $1,800
Ice sculpture of yourself
Lasts four hours. Photographs for decades.
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Billionaire behaviour
Choices a billionaire would call ‘bold.’
- $250,000
Make a small movie
Indie budget, 17-day shoot, your name in the credits as ‘executive producer.’
0 - $15,000
Buy a billboard (1 month)
Your face, the highway, twelve seconds of attention per car.
0 - $250,000
Sponsor a race car
Your logo, 200 mph, occasionally upside-down.
0 - $400,000
Fast-food franchise
Royalty, marketing fee, the specific joy of approving a new sign.
0 - $300,000
Buy a laundromat
Quiet, cash-flowing, the most underrated investment in the catalog.
0 - $1,500,000
Small apartment building
Twelve units, twelve tenants, twelve new opinions about HVAC.
0 - $9,000,000
Buy a private jet
Two pilots, one cabin, infinite ‘sorry, just landed.’
0 - $5,000,000
Buy a yacht
Six staterooms, one crew of twelve, weather-app dependency.
0 - $5,000,000
Buy a skyscraper floor
Floor 32. Express elevator. The view answers the why.
0 - $25,000,000
Sports-team minority stake
‘Just’ 1%. Box seats forever. You can wear the jersey unironically.
0 - $5,000,000
Buy a small private island
Eight acres of sand, palm trees, slowly improving Wi-Fi.
0 - $200,000
Launch a tiny satellite
Cube-sat, low orbit, a small bright dot only you understand.
0 - $2,000,000
Fund a museum wing
Brass plaque, polite applause, never-ending invitations to the gala.
0 - $8,000,000
Build a theme-park ride
Three minutes of orchestrated joy at scale. A specific kind of legacy.
0 - $3,000,000
Start a fake space program
Logo, lab coats, a press release. Mars: cancelled. Bragging: forever.
0 - $50,000,000
Stadium naming rights
Your last name in five-story letters on a national broadcast.
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Honest questions
What people ask before they spend their imaginary money.
Are these real prices?
They’re example values rounded to friendly numbers — close enough to feel real, not close enough to bet on. Real prices vary by city, vendor, year, and the exact tier of tiny horse you’re buying.Can I use a monthly or annual surplus?
Either. If you arrive from Dream Life we default to monthly. There’s a toggle on the input that switches between monthly and annual (annual = monthly × 12).Why did I run out so fast?
Probably because a few big-ticket items are very big tickets on purpose. Try filling up with smaller line items first — emergency-fund months, IRA contributions, an espresso machine — and see how much you can do without touching the boat.Is this connected to Dream Life?
Optionally, yes. From the Dream Life Calculator’s result panel, if your surplus is positive you’ll see a “Spend this surplus” button that brings the number over for you. You can also use this page standalone with any number you type in.Is this financial advice?
Absolutely not. This is for entertainment and ballpark thinking. Real budgets are messier and a lot less yellow.
This is not financial advice
CanYouAffordIt is for entertainment and ballpark planning only. Real insurance quotes, sales tax rules, dealer fees, loan approvals, and maintenance costs vary by location, vehicle, and credit profile. Before signing a contract, talk to a human you trust — and read the fine print.