Turn everyday prices into working-life decisions.
Explore plain-language guides with worked examples and a calculator prefilled for each decision. No account, bank connection, or judgment required.
Use your own numbers.
How Much Is Your Spare Time Worth?
Calculate what an hour of spare time is worth and decide whether overtime, a side job, or a paid task compensates you fairly.
Open the calculator →FREE HOLIDAY BUDGET PLANNERHow Many Work Hours Will the Holidays Cost You?
Build a realistic holiday budget for gifts, food, travel, and events, then see the total in work hours.
Open the calculator →FREE RAISE REALITY CHECKDid You Get a Raise—or Just a Bigger Number?
Compare your pay increase with inflation and see the real change in annual buying power.
Open the calculator →FREE INTERNET BILL CHECKWhy Did Your Internet Bill Go Up?
Compare your old and new internet bills, annualize the increase, and see its cost in work hours.
Open the calculator →FREE OPEN ENROLLMENT COMPARISONWhich Health Plan Costs Fewer Work Hours?
Compare two health plans using premiums, expected care costs, and out-of-pocket limits.
Open the calculator →FREE OVERTIME REALITY CHECKIs the Extra Shift Worth the Hours?
Estimate what an overtime shift adds after withholding, commuting, meals, childcare, and unpaid time.
Open the calculator →Understand the decision.
Can I Afford It Before Payday?
Check a purchase against money available now, bills due before payday, and the cash cushion you want to protect.
Read the guide →CAR PAYMENT CALCULATORHow Many Work Hours Does a Car Payment Cost?
Convert a monthly car payment into annual work hours and workdays using your real take-home hourly pay.
Read the guide →RECURRING COST GUIDEMonthly and Annual Subscription Cost Calculator
Calculate monthly and annual subscription costs in dollars, work hours, and workdays.
Read the guide →FOOD DELIVERY CALCULATORWhat Does Food Delivery Really Cost?
Calculate the annual dollar and work-hour cost of a weekly food-delivery habit.
Read the guide →SPENDING PAUSE TOOLImpulse Purchase Calculator
Turn repeat impulse purchases into an annual cost and see how many working hours they consume.
Read the guide →INSTALLMENT COST GUIDEBuy Now, Pay Later Cost Calculator
Add up BNPL installments and convert the full commitment into work hours before you buy.
Read the guide →INTEREST COST GUIDEDaily and Monthly Credit-Card Interest Charge Calculator
Estimate daily and monthly credit-card interest from your balance and APR, then see the cost in work hours.
Read the guide →COMMUTING COST GUIDECommuting Cost Calculator
Annualize fuel, transit, parking, tolls, and other recurring commuting costs in work hours.
Read the guide →DAILY HABIT GUIDEDaily Coffee Cost Calculator
Convert a recurring coffee habit into annual dollars and work hours without treating it as a moral failure.
Read the guide →PHONE UPGRADE GUIDEPhone Upgrade Cost Calculator
Compare a new phone’s full price and monthly payment with the working-life cost of keeping your current device.
Read the guide →RECURRING HABIT GUIDESmoking or Vaping Cost Calculator
Estimate the annual dollar and work-hour cost of cigarettes, disposable vapes, pods, liquid, and related purchases.
Read the guide →Not sure where to start?
Check one purchase against your next payday and see its working-life cost.
Open the free calculator →