The Bureau of Historic Losses · Counterfactual Division
The stocks you didn't buy.
Pick a name, a date you ignored, and what you'd have spared. We do the maths and issue the certificate. Index funds count — the boring thing that quietly worked.
Temperament
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Asked at this desk
What if I'd bought Apple, Nvidia or Tesla years ago?
Pick the name and the year you didn't act, and the calculator prices it as total return — dividends reinvested — against the latest close. Nvidia from 2015, Apple from the iPod era, Tesla before it was a meme: each has a live what-if page, or run your exact amount and date above.
What if I'd just put my money in the S&P 500?
This is the quietly devastating one: you didn't need a moonshot. $100 a month into the S&P 500 over the last decade is a number that makes most crypto regrets look reasonable. Pick a year, or add it to a portfolio and compare.
Does this include dividends?
For individual shares, yes — the figures are total return, with dividends reinvested and splits adjusted, the honest “what would it be worth” number. For the indices it's price return (the index level itself), so a true total-return figure would be higher still. Every page says which it's using.
How is the return worked out?
(What it would be worth now − what you would have put in) ÷ what you put in, from real daily price history. US shares price in USD, ASX shares in AUD, and a mixed portfolio is converted to one currency at historical exchange rates. It's an honest counterfactual, not financial advice — we show what would have happened, never what to buy.