What Your Daily Habit Really Costs

Small habits, big numbers

A small daily cost looks harmless, but multiplied by the days in a year and then invested it adds up quickly. This is often called the latte factor. The point is not to cut everything you enjoy, but to choose the habits that are worth their cost.

How to use it

Enter a habit, then decide whether to keep it, reduce it or swap it. Redirecting even half of the spend can add thousands over time.

Worked example

Last reviewed November 2026. Formulas are standard and shown in the sections above; results are estimates.

Tips and common mistakes

• Keep what you love, cut what you do not notice.
• Move the saved amount automatically.
• Use it for subscriptions too.