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 →
New
- Is buying in bulk actually cheaper? The unit price says who wins on the shelf, not in your home: if part of the big pack ends up in the trash, the saving evaporates. Compute the effective price on what you actually use — and the usage threshold below which bulk loses. Open →
- Repair or replace? The repair quote on one side, the new-model price on the other: the honest comparison isn't between the two prices but between their costs per year of service. Two costs, two lifespans, a verdict — and proof that the "50% rule" sometimes gets it wrong. Open →
- Sunk cost: when to quit "I've spent too much to stop now" is the most expensive way to decide. Money already spent is gone on both paths — the honest math compares only what comes next, and this calculator does it for you. 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 →