Daily Habit Cost Calculator

That daily habit adds up. Here's how much it really costs over time.

10-Year Cost

Weekly cost

Monthly cost

Annual cost

10-year cost (raw)

If invested at 7% return

If invested for 20 years

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The latte factor is real

A $7 daily coffee costs $2,555 per year. Over 10 years, that's $25,550. But here's the kicker: if you invested that $7/day instead, at a 7% average market return, you'd have $36,800 after 10 years and over $115,000 after 20 years.

This isn't about giving up coffee (we'd never suggest that). It's about knowing the real cost of daily habits so you can choose which ones are worth it. Maybe the coffee stays but the vending machine snacks go. Your call — but now you know the numbers.