Tool 02 of 30 · Opportunity Cost

Your daily coffee habit is silently building someone else's retirement.

Enter your coffee habit. See the exact future wealth you trade for each cup, compounded to retirement.

📐 Verified math

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Your Parameters

Live

Coffee Habit

Type of coffee

Cups per week 7/wk

Your Profile

Current age 30

Retire at 65

Annual investment return 7%

S&P 500 inflation-adjusted avg ≈ 7%

Inflation rate 3%

Lifetime Wealth Cost of This Coffee Habit

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calculating…

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What This Really Means

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Opportunity Cost Over Time

Opportunity Cost

Full Breakdown

Price per cup

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Annual cups

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Annual cash spend

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Total cash over lifetime

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Future value if invested instead

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Inflation-adjusted real cost

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True opportunity cost per cup

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Common Questions

Isn't coffee just a small treat?

Yes — but at 7 cups/week from age 30 to 65, that's $63,700 in cash and $273,000+ in foregone wealth. The question isn't whether it's worth it. It's whether you know the real price.

What if I make coffee at home?

Switch to 'Drip / home brew ($2.50)' — the gap narrows significantly, but even home coffee compounds to tens of thousands over a lifetime of daily habit.

Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Consult a qualified financial advisor.