$ WORTH THE HOURS?Check a purchase
THE REAL-WORLD AFFORDABILITY CHECK

Can You Afford It—
and Is It Worth It?

Before you buy, see what survives after your bills, how much working life it costs, and whether buying now, waiting, or spending less is the smarter move.

Check This Purchase →Try a Popular Purchase ↓
✓ No account required✓ Runs privately in your browser✓ No bank connection
ONE PURCHASE. TWO REALITY CHECKS.
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2
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3
$/ hour
Can I afford it before payday?Add a private cash-flow check—no bank login required.
Make the work-hours estimate more accurate

Instant estimate. No signup. Your numbers stay on this device.

HOW IT WORKS

A price tag cannot see next week.

  1. 01

    Enter the purchase

    One-time or recurring. Coffee counts. So does the dream truck.

  2. 02

    Protect upcoming bills

    Add what is available, what is due, and the cushion you refuse to spend.

  3. 03

    Get a decision

    See buy now, wait, or spend less—plus the true working-life cost.

GO BEYOND ONE PURCHASE

Reclaim more than pocket change.

$9 ONE TIME

The Life Cost Audit

A personalized PDF showing annual workdays consumed, five-year cost, three realistic reconsiderations, and a printable Life Reclaimed plan.

  • Personalized category analysis
  • Life Reclaimed scenario
  • Automatic PDF delivery
$19 DOWNLOAD

The Life Reclaimed Toolkit

Seven practical, editable tools for subscriptions, debt, impulse purchases, savings goals, and monthly resets.

  • Expense audit spreadsheet
  • Cancellation and debt trackers
  • Purchase-decision worksheet
Get the toolkit — $19 →Secure checkout with automatic digital delivery

Paid tools are optional. The working-life calculator stays free and requires no account.

THE MONTHLY REALITY CHECK

One number that might change your month.

Once a month: a surprising comparison, one reader result, and one practical action. Useful, short, and never preachy.

One email per month. Clear consent. Unsubscribe anytime. No selling your information.
QUESTIONS, ANSWERED

Before you hand us your paycheck.

Is this a budgeting website?

No. It is a purchase-decision tool. It checks one choice against your upcoming bills and shows the hidden time cost of the money.

Do you connect to my bank?

No. You enter only the numbers needed for this decision, and the calculation runs in your browser.

What does ‘affordable’ mean here?

It means the purchase, bills you listed, and cash cushion fit within the money you said is currently available. It cannot account for expenses you leave out.

Do you store my salary or balance?

Income, balance, bills, tax rate, and work expenses stay on your device and are not included in shared links or cards.

Is this financial advice?

No. Everything here is general educational information and an estimate based on your inputs.

Are recommendations sponsored?

Sponsored and affiliate placements are clearly labeled. None are required, and no unapproved relationships are claimed.