Installment True APR Calculator
See the real interest rate hiding behind "0%" installment and BNPL plans.
Open calculatorFree calculators that tell you if it's actually worth it.
Before you sign up, sign the lease, or swipe the card, run the numbers. Every calculator does real math on real money decisions, right in your browser — no sign-up, no data sent anywhere, just a clear verdict.
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Calculators
Eight tools for the decisions people actually search “is it worth it?” about.
Subscription Audit Calculator
Add up every subscription and see what you really pay per month, year, and 5 years.
Open calculatorCostco Membership Calculator
Find the monthly spend where a Gold Star or Executive membership pays for itself.
Open calculatorEV vs Gas Car TCO Calculator
Compare total cost of ownership — purchase, energy, maintenance — and the break-even year.
Open calculatorRent vs Buy Calculator
Weigh mortgage, appreciation, and invested down payment against renting.
Open calculatorCommute Cost Calculator
Compare car, transit, rideshare, and bike costs per month — including your time.
Open calculatorLatte Factor Calculator
What a daily habit really costs per year — and what it could grow to if invested.
Open calculatorCashback Break-even Calculator
Check whether an annual-fee card beats a no-fee 1% card at your spending level.
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