BloominLatte factor calculator
The latte factor is the idea that small, regular purchases add up to a lot over a year. A $5 coffee five days a week is $1,300 a year, or about $108 a month.
Add your own regular purchases to see what they add up to, and how much sooner a goal would finish if that money went to it.
These add up to
$3,848 a year
About $321 a month, or $74 a week.
At $200 a month, $3,000 takes until Jan 7, 2028. With $320.67 more a month, it's Apr 7, 2027, about 9 months sooner.
No interest is added. Every number here is plain arithmetic.
To improve these tools, we keep a rounded copy of the numbers and choices you enter. Names you type are kept only if they're common ones like Rent or Vacation. None of it is linked to your name or email. What we keep
How it works
Each purchase is multiplied by how many times a week you buy it, then by 52 for the year. The monthly figure is the yearly total divided by 12. If you add a goal and what you put toward it each month, the calculator compares your finish date with and without those purchases moved to the goal.
What it doesn't say
It doesn't tell you to give anything up. A daily coffee might be the best $5 you spend. The numbers are there so the choice is yours and it's made with the full yearly cost in view. No interest or investment growth is added.
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Questions
What is the latte factor?
The idea that small, regular purchases add up to a large sum over time. The term was popularized by author David Bach. A $5 coffee five days a week is $1,300 a year.
Does this calculator include investment growth?
No. The original latte factor examples assume the money is invested and grows. This calculator only adds up what you spend and shows what it would do for a savings goal, with no interest or returns.
Is the point to stop buying coffee?
No. Some of these purchases are worth it to you and some may not be. The calculator shows the cost so you can decide; it doesn't judge any of them.