Should you really buy it?
Turn a product link, price screenshot, or idea into a personalized Decision Receipt—complete cost, life-hours, freedom delay, alternatives, and a clear recommendation.
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What are you considering?
1,428h
Life required
9 mo
Freedom delay
WAIT
Recommendation
Quick true-cost calculator
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Get an instant life-cost estimate here, or use Decision Twin when taxes, financing, ownership, and alternatives matter.
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42.9 hours
or 5.4 eight-hour workdays
*Illustrative 7% annual return; not a forecast.
Before you spend the money, see how much of your life it costs.
Turn any purchase, subscription, car, debt, or home into work hours, working days, and illustrative future value—in seconds.
Calculate My True Cost — FreeInstant calculator
What will this cost you?
$1,500 purchase
This costs
42.9 hours
of your working life.
5.4
eight-hour workdays
$2,951
in 10 years at 7% annually
Educational estimate using the values above. Future value is illustrative, assumes annual compounding, and is not a guaranteed return.
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Translate any price into work hours, workdays, and future value.
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Debt payoff
Model a clear payoff path and the time reclaimed by reducing interest.
How it works
Clarity in three steps.
No budgeting jargon. Just a transparent translation from dollars to time.
- 01
Enter the price
Start with a purchase, subscription, car, debt, or home decision.
- 02
Add take-home pay
Use what you actually keep per hour so the estimate reflects your life.
- 03
See the tradeoff
Compare work hours, eight-hour workdays, and illustrative future value.
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A result worth sharing.
Save a polished result card or share the insight with someone before making a decision together.
My $1,500 purchase costs
42.9 hours
of working life.
Your numbers stay understandable.
TrueTimeCost provides educational estimates—not individualized financial advice—and keeps every assumption visible.
- No bank connection
- The core calculator only uses the numbers you enter.
- No account required
- Calculate before deciding whether you want to save anything.
- Transparent methodology
- Price ÷ take-home hourly pay = work hours; work hours ÷ 8 = workdays.
- Visible assumptions
- Future value uses a labeled 7% annual illustrative rate over 10 years.
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