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Latte Effect savings and retirement calculator

Latte Effect savings and retirement calculator
  • #: 20132
  • Price: $0.99 In Apple Store
  • Category: Finance
  • Updated: 2009-04-27
  • Current Version: 1.0
  • 1.0
  • Size: 0.30 MB
  • Language: English
  • Seller: Niftybrick Software, LLC
  • Requirements: Compatible with iPhone, iPod touch, and iPad. Requires iOS 2.0 or later
  • © 2009 Niftybrick Software, LLC
  •  Add to Favorite apps



How much is that cup of premium coffee really worth? Are you short-changing your retirement?

Originally coined by financial columnist and author David Bach, "The Latte Effect" (sometimes called the "Starbucks Effect") refers to the dent in your retirement savings due to small but recurring avoidable purchases, like premium coffee, take-out lunches, and the like.

How much extra could you save if you skipped that morning latte or muffin, or brought a bag lunch to work? The results may surprise you!

The Latte Effect is a savings calculator that can tell you what you're passing up. It projects the compounded savings for a recurring investment over a period of time you choose. By default, it shows how much you could save by eliminating a purchase made each weekday, over 5 years, using the long-term return for the DOW Industrial Average and the long-term average inflation rate in the United States. All settings can be changed.

The Latte Effect makes a good motivational and budgeting tool, but because it is a general-purpose investment calculator, it can also be used to project the future value of recurring contributions to a retirement account such as an IRA, Roth IRA, 401k or RRSP, or to an education savings account such as a 529, Coverdell ESA, or education IRA.

The Latte Effect can calculate the savings for one-time, daily, weekday, weekly, monthly, quarterly or yearly contributions, over a configurable period of time. You can include the effects of inflation or disable this feature. The Latte Effect automatically adjusts itself to the currency for your locale; it is not US-dollar-specific.


✔ Pleasant, efficient interface

✔ Projects savings from a one-time, weekday, daily, weekly, monthly, quarterly or annual contribution

✔ Include or ignore the effects of inflation

✔ Configurable rate of return and projection period

✔ Adjusts to your currency

Niftybrick Software is an independent artisan software studio. We take your feedback and satisfaction seriously. Please write to us at support@niftybrick.com with any questions or suggestions.

iPhone Screenshots

Latte Effect savings and retirement calculator iPhone Screenshot 1
Latte Effect savings and retirement calculator iPhone Screenshot 2

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Rated 3/5 based on 3 customer reviews.


5/5 stars

Great for budgeting!

Surprisingly useful for budgeting. Using this, I realized that afternoon coffee ($2.40) isn't actually too big a deal over time, but that eating out regularly is a real killer. Helps give perspective on where it's worth cutting back and where it's not worth the trouble. Plus, it gave me a rough idea of what our contributions to our daughter's education account could be worth when she's ready for college.

5/5 stars

Quick and easy motivation to save money

Wow, this really is motivating me to skip some impulse purchases. Simple to use and accurate (I like that it takes inflation into account).

0/5 stars

App seems broken

Can't enter numbers.


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