everyday calculator
Starbucks Habit Savings Calculator
See how much you spend on daily coffee runs and how much you could have if you invested that money instead.
Results
- Weekly spend
- $25
- Annual spend
- $1,300
- Total spend over years
- $6,500
- Future value if invested
- $7,323
How to use this calculator
- Enter your coffee cost, drinks per day, and days per week.
- Choose how many years to model and an investment return rate.
- See your weekly/annual spend, total spend over time, and the invested value if you redirected the habit to savings.
Inputs explained
- Cost per drink
- Average spend per coffee/tea/latte.
- Drinks per day
- How many store-bought drinks per day.
- Days per week
- How many days you buy (0–7).
- Years
- Time horizon for the habit or investing.
- Annual return
- Assumed investment return if you save the money instead.
How it works
Weekly spend = cost per drink × drinks per day × days per week.
Annual spend = weekly spend × 52.
Total spend over the chosen years = annual spend × years.
Future value assumes you invest the annual spend at the chosen return once per year.
When to use it
- Budgeting and lifestyle changes—seeing the cost of a daily coffee habit.
- Motivating savings by showing the future value of redirected spending.
- Comparing cutting back (e.g., fewer days per week) to see savings impact.
Tips & cautions
- Try lowering days per week to see incremental savings instead of going cold turkey.
- Adjust annual return for conservative vs aggressive investing assumptions.
- Include pastries or tips in cost per drink for accuracy.
- Assumes constant prices and one annual investment contribution; real returns and inflation vary.
- Does not include taxes on investment gains.
Deep dive
Calculate how much your daily coffee habit costs each week and year, plus how much it could grow if invested instead.
Enter cost per drink, frequency, and an investment return to see the true price of your Starbucks habit.
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