Convenience spending is the premium you pay for time-saving, effort-reducing alternatives to doing something yourself. The coffee shop drink that costs $5 when home brew costs $0.75. The food delivery order that costs $28 when the same meal costs $11 to prepare. The dry cleaning pickup that costs $25 when a home wash costs $2. Each premium is individually reasonable — your time has value, and the convenience is real. The question is whether you're making these trade-offs deliberately or habitually. The Convenience Spending Calculator computes your exact premium across 8 common convenience categories: coffee and drinks out, food delivery, takeout and fast food, pre-cut and prepared grocery items, laundry services, premium parking, rideshare usage when alternatives exist, and boutique fitness. For each category, it calculates your DIY equivalent cost, the premium you're paying above that baseline, and the 10 and 20-year compound cost of that premium invested at 7% annual return. This calculator does not argue that convenience spending is always wrong. Time is genuinely valuable, and convenience spending that frees up time for higher-value activity — more work, better rest, meaningful relationships — may well be worth every dollar. The goal is to make the premium visible so you can decide which categories are worth it and which are habitual defaults you'd be happy to replace with a small behavioral change.