What is the true cost of buying a luxury car instead of investing?

A ₹30 lakh car purchase has an opportunity cost of ₹30L compounded at your investment CAGR. At 15% CAGR over 20 years, that ₹30L would have grown to over ₹4.9 Cr — so the real cost of the car is not ₹30L but ₹4.9 Cr in foregone wealth.

Luxury Trap Calculator — Real Cost of Lifestyle Spending | Clearmind

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Purchase amount (₹)

Hypothetical CAGR: 15%

Opportunity horizon: 20 years

₹30.00 Lwhat you pay today

but really costs...

₹4.91 Crin 20 years of compounding

16.4×

multiplier

₹4.61 Cr

opportunity lost

What the same money grows to — vs staying flat

Illustrative only. This calculator shows opportunity cost assuming a hypothetical CAGR, not any guaranteed return. Not investment advice.