Cafe time machine
Use this calculator like a habit simulator. Start with 1 cup, 4.50 per cup and 30 days. Then change only days to 365. That gives the yearly version of the same habit.
Next, open the Savings Goal Calculator and use the yearly coffee total as the goal. Set already saved to 0 and monthly saving to the 30-day coffee result. You are comparing two stories with the same money: buying a daily treat or funding a target.