Budgeting & Lifestyle

Coffee Habit Cost Calculator

See the shocking long-term cost of your daily coffee, cigarette, or takeaway habit. Calculate the opportunity cost of what that money could have been worth if invested.

Habit Details
Enter the cost and frequency of your daily vice.
The True Cost
Monthly Drain₹5,417
Total Cash Spent₹6,50,000

Potential Wealth Lost

₹12,58,503

If this money had been invested in a standard mutual fund at 12% returns instead of being spent.

The Latte Factor

Popularized by financial author David Bach, the "Latte Factor" demonstrates how small, regular discretionary expenses—like a ₹250 Starbucks coffee every morning—compound into massive sums of lost wealth over time.

Financial Reality Check: We aren't saying you should never enjoy a coffee or order Zomato. The goal is to bring awareness to your unconscious spending. Many people claim they "don't have enough money to invest," while unknowingly drinking a potential ₹50 Lakh retirement corpus over a decade.