Enter your daily habit cost and frequency. We calculate both the total cash you'll spend and the wealth you'll never build — the true cost of financial autopilot.
Price of each individual purchase
How many times per week you do this
How long have you been / plan to keep this up?
Zero data leaves your device. Calculations run locally. No account required.
Total Potential Wealth Lost
$18.8K
if invested at 7% p.a. over 10 years
Weekly Spend
$25.00
Annual Spend
$1.3K
Total Cash Spent
$13.0K
Lost to Compounding
$5.8K
Lost Investment Opportunity
$5.8K
above cash spent, from compounding at 7%/yr
Take Back Your Cash Flow
SpendKeep makes daily spending visible. Awareness is the first step to redirecting cash into wealth.
Financial author David Bach popularised the Latte Factor concept in The Automatic Millionaire: small, daily discretionary purchases are not trivial — they represent a choice between consumption and compound growth. A $5 weekday coffee habit costs $1,300/year. Over 20 years at a 7% annual market return, the true opportunity cost exceeds $56,000. The calculator above makes this concrete by modelling your specific habit against a standard investment benchmark.
The key insight is not that you should never buy coffee — it is that you should be conscious of every purchase. Financial autopilot (automated banking, tap-to-pay, subscription auto-renewals) removes the psychological friction that creates spending awareness. SpendKeep's manual-entry model reintroduces that friction by design.