Daily Coffee Investment Calculator

See how much your daily coffee spending could be worth if invested instead

Coffee Spending Details
Potential Investment Growth
Summary
Daily Coffee Spending:
$0.00
Weekly Coffee Spending:
$0.00
Monthly Coffee Spending:
$0.00
Annual Coffee Spending:
$0.00
Total Coffee Spending:
$0.00
Potential Investment Value:
$0.00
Investment Gain:
$0.00
What You Could Buy Instead

With your potential investment value, you could afford:

Yearly Breakdown
Year Annual Coffee Cost Cumulative Coffee Cost Investment Value
The Latte Factor: Small Changes, Big Results
What is the Latte Factor?

The "Latte Factor" is a concept popularized by financial author David Bach. It suggests that small, regular expenses (like daily coffee) can add up to significant amounts over time. By redirecting this money into investments, you could potentially build substantial wealth.

The Math Behind It

This calculator uses the compound interest formula combined with regular contributions:

FV = P × (1 + r/n)nt + PMT × ((1 + r/n)nt - 1) / (r/n)

  • FV = Future Value
  • P = Initial Principal (0 in this case)
  • PMT = Regular Payment Amount
  • r = Annual interest rate (decimal)
  • n = Compounding frequency per year
  • t = Time in years
Finding Balance: Enjoyment vs. Investment

This calculator isn't meant to suggest you should never enjoy a coffee! Rather, it's a tool to help you understand the potential long-term impact of regular small expenses and make more informed choices.

Tips for Smart Coffee Consumption
  1. Consider brewing at home some days
  2. Use a reusable cup for discounts at many coffee shops
  3. Join loyalty programs for free drinks
  4. Set a coffee budget and invest the savings
  5. Find a balance between enjoyment and financial goals
Did You Know?

If you invested just $3 per day at 7% annual return for 30 years, you could have over $110,000!