Latte Factor / Daily Habit Calculator
See what a daily habit costs — and what it becomes if you invest it instead.
Inputs
How it works
Future value of an ordinary annuity: FV = PMT × ((1+i)^N − 1) ÷ i, monthly compounding at the stated return.
Frequently asked questions
Are these calculators private?
Yes — all computation happens in your browser. We don't store the values you enter.
What's the 50/30/20 budget?
50% needs, 30% wants, 20% savings & debt — a simple budgeting starting point.
How is net worth different from income?
Income is what you earn; net worth is what you own minus what you owe. Build net worth by keeping the gap between income and spending positive.
What's a FI number?
The portfolio size at which 4%/yr withdrawals indefinitely cover your annual expenses — i.e., 25× expenses.
Should I always take the higher-salary job?
Not always. Net of cost of living, taxes, commute, and benefits, the smaller salary sometimes wins.
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View all personal finance →Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated January 1970