Review My Spending

Most of us spend more than we realise on things we could easily reduce — or live without entirely. Budgets are hard to stick to, so instead we've focused on a top 10 list of discretionary items that are worth taking a closer look at. Enter what you currently spend on each one, honestly, and we'll show you on the next screen where savings are possible — and what those savings could be worth over time.

Use the sliders to decide how much you'd like to reduce each item. The money you don't spend doesn't just stay in your pocket — invested over time, it compounds into something considerably larger. This calculation uses a 20-year period with 5% return to illustrate the effect. Want a more personalised picture based on when you actually plan to retire? The full version on ThatDay has you covered. Try it now.