How to use the Time Value of Money Calculator.
Enter the percentage return you expect to earn on future investments.
Enter your hourly wage.
Enter the number of years you would like to calculate costs for.
Enter the name of the consumable.
Enter the number of times you purchase the item per selected time period.
Enter purchase price of the consumable, including sales tax.
Enter the cost of a lower priced substitute (generic, store brand, do it yourself).
Click the "Calculate Opportunity Costs" button. This will populate the opportunity cost comparison chart along with a written summary of the results.