Time Value of Money
How many hours of your life does that cost?
Time Value of Money Calculator
What do you want to buy?
or enter price directly below
· Suggested price — Custom item / exact price
$
$
%
hrs/wk
This purchase costs you
— hours
of work
—
days
—
weeks
—
years
Here's what that means in plain terms
How It Works
- 1
Enter the price of anything
A phone, vacation, car, coffee — any price in any currency.
- 2
Enter your hourly wage
Use after-tax take-home pay. Enter tax rate and we calculate net for you.
- 3
See the true cost in time
Instantly see hours, days, weeks, and years — with a visual breakdown.
Why Think in Time, Not Dollars?
Money is abstract. Time is finite. When you reframe a $1,200 laptop as "48 hours of your life," the decision becomes visceral and real — a mental model used by FIRE communities and behavioral economists worldwide, popularized by Your Money or Your Life by Vicki Robin.