Estimate model
The tool first estimates hourly take-home value from monthly pay and weekly hours, then divides the purchase price by that hourly value.
💸 HOURS TO BUY
What does it really cost you?
Convert a price into working hours. Simple, brutal, useful.
Your estimated hourly pay
Working hours needed
8-hour workdays
Share of monthly pay
Assumes 52 weeks ÷ 12 months. This is a time-equivalent, not financial advice.
ASSUMPTIONS & INTERPRETATION
Hours to Buy
Convert a price into the number of estimated work-hours needed to equal that amount at your current take-home pay.
What the number means
The answer is a perspective on cost, not a judgement about affordability or whether the purchase is good or bad.
Worked example
A €100 purchase at €11.54 estimated take-home per hour represents about 8.7 hours of work.
Good to know
Why convert money into work-time? →The model does not include rent, debt, savings, taxes beyond the take-home figure or the personal value you get from the purchase.