How do I use this Coffee vs Investment Calculator - See Your Latte's True Cost?

Simply enter your values in the input fields, and the calculator will instantly show you the results. You can adjust the values to compare different scenarios.

Is this calculator free to use?

Yes, all calculators on CalcScope are completely free to use. No registration or payment required.

Your inputs are saved locally in your browser for convenience. We do not store any personal data on our servers.

☕ Coffee vs Investment Calculator 🧮

What if you invested your daily coffee money instead?

Your Monthly Coffee ☕

₹6,000/month

Your Future Wealth 🧮

₹1.2 Cr in 30 years

☕ Your Coffee Habit

Cost per coffee (₹)

Cups per day 1

Years to project 30

Expected return (%) 12

Inflation (%) 6

Daily Spend

₹200

Yearly Coffee Bill

₹73,000

Opportunity Cost

₹1.1 Cr

💡 What That Money Could Buy Instead

💡 Mind-Blowing Facts

🧮 How to Use This Calculator

1 Enter cost of your daily habit (coffee, snacks, etc.)
2 Set frequency (cups/items per day)
3 Adjust expected investment return rate (e.g., 12%)
4 See the massive future wealth potential

🧮 Formula Used

FV = P × [((1 + r)^n - 1) / r] × (1 + r)

Standard SIP formula for calculating Future Value of regular investments

🧮 Key Insights

🧮 Small "Latte Factor" expenses add up to Crores over 30 years
🧮 Opportunity cost is the real price of spending - not just the cash outflow
🧮 Investing just ₹100/day @ 12% creates ₹1 Crore in 30 years
🧮 Automating these small savings is the key to wealth

❓ Frequently Asked Questions

Is this calculator telling me to never buy coffee?

No! Life is meant to be enjoyed. This calculator simply visualizes the "latte factor" - small daily expenses that compound over time. It's about awareness, not deprivation. Maybe you decide 5 coffees/week is worth it, but 1 daily is excessive. The point is making an informed choice.

Is 12% return realistic?

The Nifty 50 has historically returned ~12% CAGR over 20+ year periods. The S&P 500 averages ~10%. However, past performance doesn't guarantee future returns. Use the slider to see different scenarios!

What's the "opportunity cost"?

Opportunity cost is the difference between the investment value and the actual money spent. It represents the "hidden" cost of choosing coffee over investing - the growth you missed out on due to compound interest.