A small habit, told the truth
It's never
“just a coffee.”
Fill in the blanks and watch the real number climb — what your habit costs this year, over a decade, and what the same money could become if you invested it instead.
I spend € each, times a .
Invested at % a year instead, that's €0 in 20 years.
See the breakdown
Runs in your browser · nothing stored · estimate: price × frequency × 52, invested as a yearly contribution.
Run the one that's yours
Each is a focused, instant calculator.
Why the yearly number hits
We judge spending one purchase at a time, so €3.50 feels like nothing. But a habit lives at a different scale — per year, per decade. Two coffees a day is nearly €2,900 a year, and far more if that money were compounding instead.
This isn't a lecture about quitting. It's the number, in plain sight, so you can choose what's worth it — keep it, cap it, or redirect it.
The iOS app is coming
Track a habit, keep a streak, and watch the savings stack up. Free, soon on the App Store.