Coffee Cost Calculator
Cafe coffee against making it at home, with the difference compounded. The point is not that buying coffee is wrong, but that the compounded figure is rarely what people expect.
Also called: latte factor calculator, coffee spending.
$114,400.00 a year buying coffee against $14,560.00 making it, a difference of $99,840.00. Invested at 12% for 10 years that difference becomes $1,752,065.71.
How this is calculated
Annual spend is cups times price times days. The difference between buying and making compounds if invested, and over a decade at market returns that difference is usually a multiple of the annual amount. The honest framing is that this is a real trade-off with a real number attached, not that anyone should stop buying coffee.
the annual difference invested each year and compounded- P
- Annual saving
Method and limits
What it assumes
- A constant price, which coffee prices have not respected.
What it deliberately does not model
- The home cost excludes equipment, which the payback figure addresses separately.
- It values none of what a cafe provides beyond the drink.
Formula version 1.0.0 · definition 1.0.0 · United States · Report a problem with this calculator
Frequently asked questions
- Is a machine worth it?
- The payback figure shows how long the difference takes to cover a 25,000 machine. Beyond that it is about whether you will actually use it, which no calculator knows.