Use these calculators to make smarter buy decisions with simple math. The main tool estimates value for money using price + expected usage + your own rating. Below it you can also add up your subscriptions and see what a purchase could become if you invest instead.

Tip: start with realistic usage (uses/week + years). Small changes there often flip the verdict from “maybe” to “worth it” (or “skip it”).

How the Value Calculator works

Choose a product type, enter the price, then estimate how often you’ll use it and how many years you’ll keep it. The calculator shows a score and verdict based on cost per use, your rating (1–10), and simple risk factors like returns and shipping.

Value Calculator

Live estimate using rating + cost per use + fit. Supports currency + premium tiers.

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Product type

Price

Your rating (1–10)

Return risk

Lifetime usage estimate

Uses / week

Years

Lifetime uses

Advanced options (deal, shipping, alternatives)

Shipping

Discount (%)

Cheaper alternative exists?

Warranty / support confidence

Subscription Calculator

Add your monthly subscriptions to see the true monthly and yearly total. If you enter your hourly income, you’ll also see how many work hours your subscriptions cost.

Subscription Calculator

Add your subscriptions to see the true monthly and yearly total — plus hours of work (optional).

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Currency (label only)

Enter amounts in the same currency you select. No conversion is applied.

Hourly income (optional)

If provided, we’ll show how many work hours your subscriptions cost.

Your subscriptions

Quick add common subscriptions

These are placeholders — edit prices to match your region.

Tip: subscriptions feel small monthly — the yearly total is what usually surprises people.

Invest Instead Calculator

Not sure about the purchase? This calculator estimates what the same money could become if you invest it instead over a number of years. It’s a simple projection—not financial advice—but it’s great for perspective.

Invest Instead Calculator

If you skip the purchase and invest the same money instead — what could it become?

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Currency (label only)

Enter amounts in the same currency you select. No conversion is applied.

Return rate (% per year)

Typical long-term stock market assumption is ~7% after inflation (rough estimate).

Purchase amount (one-time)

Years

Optional: make it monthly instead

Monthly contribution

If set, we calculate future value of monthly investing (in addition to the one-time amount if provided).

Compounding

Note: This is a simple estimate. Real returns vary and investments can go down as well as up.

FAQ

What is “cost per use”?

Cost per use is the purchase price divided by how many times you’ll realistically use the item over its lifetime. It’s one of the simplest ways to compare value across products.

How do I choose realistic inputs?

Start with uses per week and years. If you’re unsure, estimate low. Most “bad deals” look great only when you assume perfect usage.

Does the calculator work for subscriptions too?

Use the Subscription Calculator to add up monthly costs and see the yearly total. It’s especially useful for streaming, apps, cloud storage, and memberships.

Is “Invest instead” financial advice?

No. It’s a simple estimate to help you compare choices. Real returns vary and investments can go down as well as up.