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Coffee costs

What a $3.50-a-day coffee habit really costs

$1,278 a year. Here is the math, and the home-café alternative.

Coffee costsUpdated October 2026Numbers calculated for this page
Buying a $3.50 coffee every day costs $1,278 a year. On weekdays only it is $910. Brewing a similar cup at home for around $0.50 would save about $1,095 a year.
TimeEvery dayWeekdays onlyHome-brewed (~$0.50/cup)
1 week$24$18$3.50
1 month$106$76$15
1 year$1,278$910$182
5 years$6,388$4,550$912
10 years$12,775$9,100$1,825

If you invested the difference

Brewing at home and putting the savings ($91 a month) into an investment that earned an example 7% a year would grow to about $6,529 in 5 years, $15,785 in 10 and $47,509 in 20. Returns aren't guaranteed; this is only to show scale. Our sister site Steady Sums has a compound interest calculator to play with.

You don't have to quit

Coffee Bar Signs (set of 6)
Make your kitchen the café

Coffee Bar Signs (set of 6) · $6.99

Printable signs that turn any counter into a home café.

Take a look

Other daily amounts

Questions people ask

How much is $3.50 a day on coffee per year?

$1,278 if every day, or $910 on weekdays only.

How much does a cup of coffee cost to make at home?

Usually about $0.30 to $0.75 for a regular cup, depending on the beans; specialty beans can be over $1.

Numbers on this page are estimates calculated from the assumptions shown. Coffees, beans and drinks vary; caffeine figures are typical values, not medical advice.

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