Your daily coffee = a $X life decision.

No — and that's not the point. The point is that small recurring habits compound massively over decades. A $7 daily coffee invested instead at 7% becomes ~$280,000 by retirement. The exercise isn't 'never enjoy coffee' — it's 'know what each habit actually costs you in years of freedom, then choose on purpose.'

7% is the long-run REAL (inflation-adjusted) return of the U.S. stock market — roughly 10% nominal minus 3% inflation. We use a real rate AND keep your habit cost flat in today's dollars, so the future-value number is also in today's dollars (apples-to-apples with the $7 coffee you'd give up). Some calculators use 10% nominal without deflating — that overstates real purchasing power.

It's the future value divided by $50,000 of annual expenses. Using the 4% safe withdrawal rule, $50k/yr requires a $1.25M portfolio. Every dollar of future value buys you fractional time at that lifestyle. Adjust the assumption with your own numbers in PeakWorth Quick Start.

That's the easiest 'arbitrage' in personal finance — and exactly the kind of trade-off PeakWorth helps you see. Home brew + one café visit per week costs ~90% less and shifts the same dollars into your FI bucket. The calculator above lets you model exactly that.

No, and you don't need it to. PeakWorth models your full financial life — income, expenses, investments, debt, taxes, two earners — and shows your live FI Age. You bucket coffee into 'lifestyle spending', tune the slider, and see your FI Age move in real time. No transaction-level tracking required.