What is the forgetting tax?
You know that late fee you paid last month? The one on a bill you definitely had money for? That's the forgetting tax. It's not a real tax. It's all the money that quietly leaves your pocket because your brain dropped the ball somewhere between "I'll do it later" and "oh no."
Lost earbuds. Duplicate groceries because you forgot what's in the fridge. A gym membership you stopped using three weeks in. That $25 return you never mailed back. Individually, these feel small. Over a year, they add up to something that would make you wince.
The everyday slips alone, late fees, replacements, wasted food, add up faster than most people expect. The calculator gives you an estimate for your own year, not a scientific measurement.
How to figure out yours
The calculator above walks you through six categories where forgetting hits hardest: late fees, lost stuff, missed appointments, impulse buys, wasted food, and opportunities that slipped through. Pick what sounds closest to your situation. The number at the end is usually higher than people expect.
Okay, so how do you actually fix this?
Willpower doesn't work. If it did, you'd have fixed this years ago. What works is external systems. Autopay for bills. A hook by the door for your keys. And reminders that actually bother you enough to act on them.
That last part is the hard one. Most reminder apps send a notification, you swipe it away without thinking, and it's gone. Bumbi doesn't work like that. It keeps coming back until you actually do the thing. That's the whole point.