What is
SkipTheLatte?
A free tool that shows you the Bitcoin opportunity cost of your daily spending habits — so you can make smarter decisions about your money.
The latte factor — reimagined for Bitcoin
The "latte factor" is a concept popularized by financial author David Bach — the idea that small, daily spending habits compound into surprisingly large amounts over time. SkipTheLatte takes this concept and applies it specifically to Bitcoin.
Instead of asking "what if you invested that coffee money in an index fund?", we ask: what if you stacked Bitcoin instead?
How it works
Enter any daily habit — coffee, subscriptions, takeout — along with a time horizon and an expected Bitcoin CAGR. The calculator shows you exactly how much Bitcoin you could have accumulated, and what it could be worth at your target year.
- Live BTC price via CoinGecko API (refreshed every 60 seconds)
- Four growth scenarios: Bear, Base, Bull, Hyperbull
- Support for USD, KRW, JPY, EUR, and GBP
- Shareable results for social media
Disclaimer
SkipTheLatte is a hypothetical modeling tool for educational and entertainment purposes only. All projections are speculative. Past Bitcoin performance does not guarantee future results. Bitcoin is a highly volatile asset — do not make investment decisions based solely on this calculator. Please consult a qualified financial advisor.
Try the calculator
See your Bitcoin opportunity cost in seconds.