Time = Money

True Cost Calculator

Find out how many hours you have to work for something, and how much that money could grow if you invested it instead.

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Based on a 40 hour work week.

Calculation Assumptions

Results can differ across apps when compounding or contribution timing assumptions change.

  • Your true hourly wage is monthly net income divided by hours worked per week × 4.33 (average weeks per month).
  • Opportunity cost assumes the purchase amount is invested today and compounds annually at the selected return rate.
  • Taxes, raises, and irregular work weeks are not modeled — this is a simplified estimate.