Coffee Cost Calculator
See the true cost of your daily coffee habit - and what that money could become if invested.
Quick Select Coffee Type
Your Daily Coffee Costs
$0
Per Week
$0
Per Month
$0
Per Year
$0
5 Years
$0
10 Years
$0
30 Years
$0
If You Invested This Money Instead
At 7% annual return:
What Else Could You Buy?
Yearly cost equals
0 weekend trips
Or about
0 nice dinners
Or
0 months of Netflix
10-year invested value buys
a used car
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The Latte Factor
Small Expenses, Big Impact
The "latte factor" is the idea that small daily expenses can add up to significant amounts over time.
A $5.50 daily coffee costs:
- $38.50 per week
- $167 per month
- $2,008 per year
- $20,075 over 10 years
That's a used car, a nice vacation fund, or a solid emergency fund!
The Power of Investing Instead
What if you made coffee at home and invested the difference?
Saving $4/day (the difference between buying and making) and investing at 7% gives you:
- 5 years: $8,500+
- 10 years: $20,000+
- 20 years: $57,000+
- 30 years: $142,000+
Compound interest turns small savings into serious wealth.
Money-Saving Coffee Tips
- Brew at home: Costs $0.25-$0.50 per cup
- Get a good travel mug: Make café-quality at home
- Buy a simple espresso machine: Pays for itself in months
- Use loyalty programs: Free drinks add up
- Downsize your order: A small is often enough
- Skip the extras: Flavor shots and whip add $1+
It's Not About Deprivation
This calculator isn't about never enjoying coffee. It's about awareness.
Maybe you decide:
- Treat yourself 2x per week, make coffee the other days
- The enjoyment is worth it to you - that's valid!
- Switch to a slightly cheaper option
- Invest the savings from one small change
The goal is making conscious choices about your spending.