The calculator

See what your money is really worth

Your numbers stay in your browser. Enter income, taxes, and fixed costs, we do the rest, in any currency.

Results
Your real earning power
Time cost of a purchase

What does it really cost?

Work hours
N/A
of real earning
Workdays
N/A
incl. commute & breaks

Enter a price to see how many hours of your life it costs.

Tax figures are estimates based on published 2024, 2025 and 2026 rates (federal, CPP/EI and all provinces) and are for guidance only, not financial advice. Pick your tax year, or use Manual mode to enter your own numbers. Housing utility averages are rough hand-estimated placeholders, not measured data. Exchange rates come from open.er-api.com, refreshed at most every 24 hours with a bundled fallback table if the service is unreachable. Nothing you type leaves your browser in this version.

Remember

Money can be earned again. Time cannot.