Time Wealth Calculator
Calculate your effective hourly income including commute and unpaid hours. See purchases in hours of your working time.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
Monthly Hours Breakdown
Click chart to expand
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Best-case outcome with favorable assumptions.
Most likely outcome based on your inputs.
Conservative outcome with cautious assumptions.
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
Confidence & Assumptions
The outcome is fairly stable across best and worst cases — this is a robust decision.
Effective Hourly Income: €11 (worst) → €11 (expected) → €11 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
Calculate your true hourly income after taxes, commute, and unpaid work. Express purchases in life hours.
How the calculation works
Divides after-tax monthly income by total work-related hours including commute and unpaid time.
Formula
Effective Hourly = (Salary × (1 − Tax)) / ((Work + Commute + Unpaid) × 4.33)
Example
€3,000/month with 50 total hours/week = €14.80/hour. A €1,500 purchase = 101 hours of your life.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Time Wealth. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
Divides after-tax monthly income by total work-related hours including commute and unpaid time.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: €3,000/month with 50 total hours/week = €14.80/hour. A €1,500 purchase = 101 hours of your life.
Factors to Consider
- Include all work-related hours
- After-tax income is what matters
- Powerful for curbing impulse spending
Common Mistakes
- Only counting paid hours at desk
- Ignoring commute time
Frequently Asked Questions
Why include commute?+
Commute time is only possible because of work — it is part of the life cost of earning money.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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