True Cost
True Cost: what spending really asks of you
Sticker shock, rent-day math, hours on the clock, the subscription pile, the small stuff that adds up—without a dashboard or a pitch.
Real total Can I afford this? Hours of life Routine cost Subscription stack
Purchases
From the receipt to whether it fits your month to how long you work for it.
Real total
Item plus VAT or tax, delivery, fees, tip, optional monthly add-ons—checkout total and a rough first-year view.
Open the real total calculator →
Can I afford this?
Net income, fixed costs, a savings line you set—see what is left and how many months it might take to save for a buy.
Open the affordability calculator →
Hours of life
One price, your salary and tax guess, real hours—net hourly rate and how many eight-hour days that buy costs.
Calculate what a purchase costs in work hours →
Recurring spending
Billed services in one place. Everyday repeats in another. Same month, two ways of looking at it.
Subscription stack
Streaming, cloud, phone plan—anything on a bill. Monthly and yearly rows, normalised so you can compare.
Compare monthly and yearly subscription costs →
Routine cost
Coffee, lunch, transit—stuff that happens by habit. Frequencies from daily to yearly; separate from the subscription sheet.
See everyday habits as monthly and yearly totals →
How it works
Everything runs in your browser. The pages are static; interactive parts load only where you need them.
Round numbers are fine. The aim is a clearer picture—VAT and delivery included—not a verdict.
Pick one place to start
Jump to purchases or recurring—same split as the sections above.