Why use 52 weeks instead of four weeks per month?
Four weeks per month covers only 48 weeks a year. Using 52 weeks and dividing by 12 gives an average month; an individual calendar month can differ.
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Small expenses calculator
A coffee, a delivery, a taxi: see what a regular small purchase adds up to, then try a frequency that works for you.
Your entries and results stay in this tab. They are not saved, added to the URL, sent to a server or AI, or included in analytics and session recordings. With your analytics consent, we count only that a result was shown, without your values.
How the latte factor calculation works
Multiply the amount per purchase by how often you buy it each week, then by 52 for a year. Divide the yearly total by 12 for an average month; multiply it by five for five years. Savings use the difference between your current and reduced weekly frequency.
For example, a $4 coffee five times a week is about $87 a month and $1,040 a year. Three times a week instead would save $416 a year. You choose whether that change is worthwhile.
This is a simple estimate, not financial advice. It assumes the same price and frequency, with no inflation, interest, investment returns or exchange-rate conversion. Refreshing or leaving this page clears your entries.
Common questions
Can I compare currencies?
The currency selector changes the label and number format only. It does not convert amounts or fetch exchange rates. Enter the price in your selected currency.
Will these settings transfer to my phone?
No. This calculator does not save or transfer settings. The Expenses module is a separate way to record actual spending on your phone.
Explore the Expenses module. Calculator settings are not transferred.