Spending Trigger Identifier Calculator

Vulnerability Score is a straight sum of your four 0-10 trigger ratings — Stress Spending, Boredom Spending, Social Pressure, and Sale/Ad Temptation — scaled onto a 0-100 range (line 33). All four carry the exact same weight of 1 in that sum; none is coded to matter more than another. What looks like a "dominant" trigger at this calculator's own defaults is really just whichever rating you entered the highest number for: Sale/Ad Temptation defaults to 6, the largest of the four, so a proportional nudge to it moves Vulnerability Score by the largest amount, not because sales matter more in the formula but because it started from a bigger number. Social Score and Environmental Score are direct copies of Social Pressure and Sale/Ad Temptation (lines 28-29) — no further math — while Emotional Score is the average of your two separate stress and boredom ratings (line 27).

Dominant Trigger picks whichever of those three category scores is currently highest (lines 36-42). Monthly Impulse Cost is simply Average Impulse Amount times Impulse Purchases/Month (line 45); both inputs move it by an identical proportion since it's a plain product of the two, so neither one "drives" it more than the other. Five-Year Opportunity Cost assumes the same truly-impulsive annual amount recurs every year for five years and is reinvested at a flat 7% annual return each time (lines 52-57) rather than compounding a single lump sum. This calculator does not know your actual account activity — every input here is a self-reported 1-10 rating or dollar estimate.