// the latte factor
What if every coffee you skip went into the market instead? This calculator invests your daily coffee money at a steady annual return and shows how old you'll be by the time it compounds into the price of an apartment. Tweak the numbers and watch the curve.
By the time you've saved enough, you'll be
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Total coffee skipped
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Investment growth
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Target amount
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Assumptions: the daily coffee amount is invested as a monthly contribution
(coffee × 365 ÷ 12) and compounded monthly at the chosen annual return.
The apartment price (and therefore the down payment) grows at its own annual rate, so the
target is a moving line. Future value uses the annuity formula
FV = C · ((1+r)ⁿ − 1) / r. Down-payment rule: 10% if you reach the
goal at age 36 or under, 20% from 37 (CNB LTV limits) — turning 37 can push the
goal further out. A simplified model — it ignores inflation of your contribution, taxes, and
fees. Not financial advice.