Latte Factor & Small Habits Wealth Loss Calculator
Interactive in-browser Latte Factor and Habit Opportunity Cost Calculator. Calculate the long-term wealth loss of daily micro-expenses (coffee, cigarettes, takeout, digital subscriptions) if invested into Index Funds (18%) or Gold (12%) over 5, 10, 20, and 30 years. Features real estate & automobile tangible equivalent mappings and 1-click PNG card downloads.
Loading Latte Factor engine...
How to Calculate Your Latte Factor in 3 Steps
Select Micro-Expenses
Check off your daily habits like coffee, cigarettes, food delivery, and streaming subscriptions.
Choose Investment Growth
Select an expected annual growth rate (e.g. 18% Index Funds, 12% Gold, or custom).
Inspect Lost Wealth & Equivalents
See how many cars and apartments your daily coffee could have bought over 10-20 years.
Frequently Asked Questions
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