Habit Cost Calculator (Latte Factor)
See what a daily habit — coffee, takeout, cigarettes — costs over the years, and what the money could grow to if invested instead.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter what the habit costs each time and how often you do it.
- 2Choose a time span and an investment return to compare.
How it's calculated
Yearly cost = price × times per week × 52. Invested value assumes the same money is invested monthly at the chosen annual return.
Frequently asked questions
Is the latte factor realistic?
The math is real, but whether cutting a habit matters depends on your budget. Big costs like housing and cars usually matter more.
What return should I assume?
Many planners use 5–7% a year for a diversified stock portfolio after inflation over long periods. Returns are never guaranteed.
Does this include price increases?
No — prices are held constant. With inflation the real cost of the habit would be higher.