Daily Habit Cost Calculator

The classic “latte factor” math: see what a small daily expense adds up to over time, and what you'd have instead if you invested that same money every month.

The habit

Amount spent ($ per occurrence)

Days per week

Assumed annual return if invested instead (%)

Years

Result

Enter the habit details and press Calculate.

How the projection works

The amount you'd otherwise spend is treated as a monthly contribution invested at the return rate you set, compounding monthly. This is a projection based on your assumption, not a guarantee — real investment returns vary and can be negative in any given year, and this doesn't account for taxes or fees on the investment side.