Latte Factor Calculator

That $6 habit?
It's costing you weeks of runway.

Small, repeated expenses are invisible — until you see what they cost you in survival days.

Calculate your latte factor

Daily amount ($)

Frequency (days/week)

How many years have you been doing this?

Alternative: what would you invest it in instead? (annual return %)

Your latte factor

—

days of runway lost

Want to see your full runway?

Calculate my risk runway →

Common latte factors

☕ Daily coffee shop visit

$6/day, 5 days/week → $1,560/year

📱 Subscription streaming + music

$15/day equivalent, 7 days/week → $8,580/year

🍱 Lunch takeout (vs. meal prep)

$12/day extra, 7 days/week → $4,380/year

🎮 Impulse online purchases

$50/week, 4 weeks/month → $2,400/year

Why this matters: Most people think "it's only $6" — but $6/day = $1,560/year = cutting your runway by 5-15 days (depending on your expenses). Small leaks sink big ships.

That $6 habit?It's costing you weeks of runway.

That $6 habit?
It's costing you weeks of runway.