Financial decision guide and interactive simulator

Life cost calculator

How much working and saving time does this purchase consume?

What this calculation is designed to show

Price alone does not show the time needed to earn and save the money. This calculation uses income after tax and essential expenses to estimate saving hours, working days and delay to another goal.

How to test the decision

Use net disposable income rather than gross salary. Compare paying cash with delaying the purchase and consider recurring costs that begin after the initial purchase.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.