Enter your coffee habit. See the true compounded wealth cost over your career.
This calculator converts your daily coffee spending into its lifetime wealth equivalent — the amount you'd accumulate if that same money were invested instead. It's not about shaming you out of your latte; it's about making the opportunity cost visible so you can decide whether the habit is worth it with full information.
Daily spend × 365 = annual cost. That annual amount, invested each year at a compounding return rate (default 7%) for your chosen time horizon, produces the final wealth figure. The formula is a future value of an annuity: FV = C × [(1+r)^n − 1] / r. A $6 daily coffee over 30 years at 7% returns = over $220,000 in foregone wealth.
Small daily habits are invisible in isolation but enormous in aggregate. The coffee calculation is the most famous example of opportunity cost in personal finance — because it makes an abstract concept (compound interest over decades) immediate and personal. Whether you keep the habit or not, knowing the real number puts you in control of the decision.