FREE REAL COST LIBRARY

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.

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.

Convert a monthly car payment into annual work hours and workdays using your real take-home hourly pay.

See what monthly subscriptions cost per year in dollars, work hours, and workdays.

Calculate the annual dollar and work-hour cost of a weekly food-delivery habit.

Turn repeat impulse purchases into an annual cost and see how many working hours they consume.

Add up BNPL installments and convert the full commitment into work hours before you buy.

See what monthly credit-card interest costs per year in dollars, work hours, and workdays.

Annualize fuel, transit, parking, tolls, and other recurring commuting costs in work hours.

Convert a recurring coffee habit into annual dollars and work hours without treating it as a moral failure.

Compare a new phone’s full price and monthly payment with the working-life cost of keeping your current device.

Estimate the annual dollar and work-hour cost of cigarettes, disposable vapes, pods, liquid, and related purchases.

Check one purchase against your next payday and see its working-life cost.