Free coffee savings calculator

How to use

1. Enter the number of café cups you buy per day.
2. Set the café price and your home brewing cost per cup.
3. Adjust the days per year if you do not buy coffee every day.
4. Set your expected annual investment return.
5. Click Calculate savings and see your daily to 20-year projections.

Formulas

dailySavings  = (shopCost − homeCost) × cupsPerDay
annualSavings = dailySavings × daysPerYear
monthlySavings = annualSavings ÷ 12

Future value of annuity (investing savings each year):

FV = annualSavings × ((1 + r)^n − 1) ÷ r

where r = annual return as decimal, n = years.

Worked example

1 cup/day, $5.50 café, $0.50 home, 365 days, 7% return:

dailySavings  = ($5.50 − $0.50) × 1 = $5.00/day
annualSavings = $5.00 × 365 = $1,825/year
5-year FV     = $1,825 × ((1.07^5 − 1) ÷ 0.07) ≈ $10,543
10-year FV    = $1,825 × ((1.07^10 − 1) ÷ 0.07) ≈ $25,194
20-year FV    = $1,825 × ((1.07^20 − 1) ÷ 0.07) ≈ $75,062

Notes

• The future value assumes you invest savings at the end of each year (ordinary annuity). Investing monthly would yield slightly more due to more frequent compounding.
• Café prices vary widely. A plain drip coffee is $3–$4; a latte or specialty drink is often $6–$8. Use the price of your actual regular order.
• If you make espresso at home with a machine, factor in the depreciation cost of the machine spread over its expected life.