// 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/down payment. Tweak the numbers and watch the curve. The pre-filled values are a representative example — not far from today's reality.
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.