About

The Concept

Every time you spend money on something, you're implicitly choosing not to invest it. Capital Crimes quantifies that choice — in real dollars, with a verdict.

Enter a purchase amount, the year you made it, and a benchmark. We fetch real historical prices, compute what those shares would be worth today, and tell you exactly how badly you fumbled it.

Modes

What You Get

• Opportunity delta — the raw dollar amount you missed
• Multiple and annualized CAGR
• Labor equivalent — how many work hours that missed return represents
• Inflation-adjusted real value (toggle on/off)
• Portfolio vs. principal chart over time
• Benchmark comparison — add up to 4 benchmarks side-by-side
• Project Forward — compound your result at a custom annual return
• Calculation history, saved locally in your browser
• 1080×1920 share card for Instagram and TikTok

Crime Levels

Benchmarks

30+ options across 9 categories:

How the Math Works

1. Your amount is converted to USD using the current live rate.
2. We fetch monthly adjusted-close prices from the start year to today.
3. Shares = your amount ÷ start price.
4. End value = shares × today's price.
5. Opportunity delta = end value − what you put in.
6. CAGR = (end value ÷ principal)^(1 ÷ years) − 1.
7. Crime level is determined by the end value multiple.

Roast lines are picked deterministically — same inputs always produce the same line. Results are displayed in your chosen currency.

Data Sources

Market prices are fetched server-side via the Yahoo Finance v8 chart API (monthly adjusted-close). FX rates are sourced from exchangerate-api.com. Both are cached in memory for up to one hour. No data is stored on our servers.