Simple, honest pricing
Buy back your time freedom
The calculator stays useful for free. Upgrade only when you need saved history, full planning tools, AI guidance or developer access.
7-day trial for first paid planCancel or switch in Stripe anytimeNo card required for Free
MonthlyAnnualSave up to 43%
Free
Occasional purchase decisions
See what purchases really cost before spending.
$0
Free forever
- Core true-cost calculator
- Work-hours and life-energy conversion
- Future-value opportunity cost
- Shareable calculation results
- Access to essential financial calculators
Best value
Pro
Individuals actively improving finances
Turn isolated calculations into a complete financial system.
$4/month
Billed $48/year — save $36
- Everything in Free
- Unlimited saved calculation history
- Debt payoff, car cost, rent-vs-buy and salary tools
- Subscription and money-leak tracking
- Goals, net-worth and time-freedom dashboards
- PDF and shareable scorecard exports
- Personal weekly TrueTimeCost digest
Premium
Power users, households and builders
Use AI, statement intelligence and developer tools together.
$9/month
Billed $108/year — save $72
- Everything in Pro
- AI purchase advisor with personalized context
- Bank-statement spending and money-leak analysis
- Personalized financial action plans
- Household planning and shared decisions
- Developer API keys and embeddable calculator
- Higher AI limits and priority access to new tools
Prices shown in USD. Trial eligibility applies only to a customer's first paid subscription. AI features have fair-use limits to protect reliability and operating costs.