Savings
Latte Factor Calculator
This calculator turns a small daily habit into a long-term savings estimate. It helps show how redirecting a recurring purchase into an investment account could grow over time.
Estimated future value of redirected spending
Enter your values and press Calculate.
Projected growth of your daily-spend savings
The chart shows how a small daily amount can grow over the selected timeline.
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Frequently asked questions
What is the latte factor?
It is a simple way to illustrate how recurring small purchases can add up over time when those dollars are instead directed into savings or investments.
Does this mean small purchases are always bad?
No. The point is not to shame normal spending. The calculator helps you see trade-offs so you can decide what matters most.
Can I change the return assumption?
Yes. Lower or higher return assumptions can change the long-term estimate substantially.