WHAT DOES THAT
PURCHASE REALLY COST YOU?
Enter your details to see how many hours of work you're trading for that purchase.
THIS PURCHASE COSTS YOU
0 HOURS THAT'S 0 FULL WORKDAYSHOW WE CALCULATE
We apply your estimated tax rate to your hourly wage, then divide the purchase price by your after-tax hourly wage. Your hours per day converts that total into full workdays.
Results are estimates only and may not reflect your actual taxes or take-home pay. This tool is for general informational purposes and is not financial, tax, or legal advice.
01
STOP THINKING ONLY IN DOLLARS.
A price tag tells you how much money something costs. WorthMyTime shows you the other side of the trade: how much of your working time you exchange for it.
$1,499
≈ 98 HOURS
at $18/hour with a 15% estimated tax rate
02
SMALL PURCHASES ADD UP TOO.
The calculator works just as well for an $8 fee as it does for a $30,000 car. Seeing everyday spending in work-hours can make the tradeoff much easier to understand.
03
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WHAT SHOULD YOU USE IT FOR?
Impulse purchases
See the time cost before buying something you weren't planning on.
Big upgrades
Compare the real work-hours behind a phone, laptop, TV, or other upgrade.
Major purchases
Put cars, furniture, trips, and other large expenses into perspective.
Recurring costs
Multiply monthly subscriptions or habits by 12 and see what a year really costs.
04
QUICK QUESTIONS.
Does WorthMyTime store my income or purchase information?
No. The calculator runs in your browser and WorthMyTime does not intentionally store the values you enter into the calculator.
Why does the calculator use an estimated tax rate?
Because the money you can actually spend is closer to your take-home pay than your gross hourly wage. You choose the estimate yourself.
Why do I enter hours worked per day?
Your hourly wage determines the total work-hours. Hours per day simply converts that number into full workdays so the result is easier to picture.
Is this financial or tax advice?
No. It is a simple perspective tool. Actual taxes, deductions, benefits, and personal finances vary.