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Habit Cost Calculator
See how small daily expenses add up over time, and what they could become if invested instead.
Quick Add Habit
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¥
1 yr25 yrs50 yrs
0%5%10%
Total Cost
Monthly
¥15,000
Yearly
¥182,500
30 years
¥5,475,000
If Invested Instead
¥12,125,090
5% annual return over 30 years
Opportunity cost: ¥6,650,090
What could you buy instead?
27
overseas trips (¥200,000 each)
34
iPhones (¥160,000 each)
3
compact cars (¥1,500,000 each)
10
luxury watches (¥500,000 each)
Spending vs Investment Growth
About this tool
The "Latte Factor" concept shows how small daily expenses add up over time. This tool calculates the total cost of your habits and shows what that money could become if invested instead.
Investment returns assume compound growth. Actual returns may vary. This is for educational purposes only.
📖How to Use
- 1Enter the cost and frequency of daily habits (coffee, cigarettes, in-app purchases, etc.)
- 2See cumulative costs over 1 year, 10 years, and 30 years
- 3Estimate the future value if savings were invested instead
💡Tips & Knowledge
- •A daily Starbucks latte costs about ¥140,000/year (¥550 × 261 working days) — over ¥4.2M in 30 years
- •The "latte factor": small daily expenses compound into large sums over time and can hinder wealth building
- •Redirecting habit savings into investments amplifies the difference further through compound growth
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All calculations run in your browser. No data is sent to any server.