Spend your money like the hours it cost you.
Interactive calculators that price your money in the only currency that doesn't come back: time. Start with what an hour of your life is really worth.
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- What an hour of your life is really worth (your real hourly wage) Your pay divided by your hours isn't what you actually earn per hour. Subtract what the job costs you and add the hours it quietly eats, and you get your real hourly wage — and the true price of a purchase, counted in hours of life. Open →
- Compound interest: how small, steady money turns into a lot See what a starting sum plus a regular contribution grows to over time — and how much of the final number is money you put in versus growth the years did for you, year by year. Open →
- Financial independence (FIRE): your number and how far away it is Financial independence is the point where your investments can cover your spending without a paycheck. See your FIRE number — and, given what you save and earn, how many years away it is. Open →
- Mortgage payment calculator: the monthly payment and the total interest See the monthly principal-and-interest payment on a fixed-rate mortgage — and the part lenders don't put up front: how much interest you pay over the whole loan, and how each payment splits between interest and principal. Open →
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- Compound interest: how small, steady money turns into a lot See what a starting sum plus a regular contribution grows to over time — and how much of the final number is money you put in versus growth the years did for you, year by year. Open →
- The cost of a habit: what a small, daily spend adds up to A few dollars, often enough, becomes real money. See what a recurring habit costs over the years — and what the same money could have grown to if you'd invested it instead. Open →
- Financial independence (FIRE): your number and how far away it is Financial independence is the point where your investments can cover your spending without a paycheck. See your FIRE number — and, given what you save and earn, how many years away it is. Open →
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Why trust this
Every calculator is built on tested math and cites its sources — the SEC, CFPB, IRS, Federal Reserve, and peer-reviewed research. The numbers run in your browser: no cookies, nothing sent anywhere. About →