Invisible Cost — five calculators for the money that slips past notice

Field notes

The page accepts personal figures for five kinds of cumulative cost, including loan repayment, recurring expenses, account spreads, investment fees, and currency conversion. Its examples include a one-percent fee left for forty years, a subscription or daily coffee with an annual rise, and repeated overseas conversions with a rate margin. The credit example documents its own simplified rule: one percent of the balance plus monthly interest, subject to a minimum payment of twenty-five.