Wealth Building
Latte Factor
Model the long-term invested value of any small daily or weekly discretionary expense.
Invested Value
0
Total Spent
0
Compound Growth
0
Spent vs Invested
💡 What This Means
Latte Factor Calculator
The Latte Factor Calculator models what a small recurring expense would become if you invested it instead. You enter the cost each time, how often it happens, an expected return, and a time horizon, and it returns the invested value, the total you would have spent, and the growth on top. Use it when you want to see the long-run cost of a routine purchase without anyone telling you to give it up. A few dollars repeated daily and given years to compound adds up to a figure that can fund a real goal, and seeing it lets you decide which small expenses are worth keeping. The point is an informed choice, not guilt over a cup of coffee.