Latte Factor Calculator
See what a small daily purchase costs per year and what it could grow to in 10 years if invested at 7%.
- Invested for 10 years
- $25215
- Monthly cost
- $152.2
Formula: Yearly = daily × 365; 10-year invested = yearly × ((1+r)¹⁰ − 1) ÷ r
About Latte Factor Calculator
Latte Factor Calculator is a free online calculator that gives you an instant, accurate result as you type. See what a small daily purchase costs per year and what it could grow to in 10 years if invested at 7%.
The calculation uses the standard formula Yearly = daily × 365; 10-year invested = yearly × ((1+r)¹⁰ − 1) ÷ r and updates live with every change to the inputs. Everything runs client-side in your browser — fast, private, and free to use as often as you like.
The "latte factor" was popularized by author David Bach to show how redirecting small daily purchases into investments compounds into large sums.
Frequently Asked Questions
Is Latte Factor Calculator free to use?
Yes. Latte Factor Calculator is completely free, with no sign-up, no downloads, and no usage limits. You can use it as many times as you like on any device with a web browser.
How accurate is this calculator?
The calculator applies the standard formula (Yearly = daily × 365; 10-year invested = yearly × ((1+r)¹⁰ − 1) ÷ r) with full floating-point precision and rounds only the displayed result. For most practical purposes the results are exact.
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