Estimate model
Weekly costs are annualised with ×52 and monthly costs with ×12. The annual spend is divided by your estimated take-home hourly value.
⏱️ MONEY VS TIME
What does that little recurring expense cost in life-hours?
A coffee, subscription or habit can look very different when translated into work time.
Money per year
VS
Work time per year
8-hour workdays
10-year total
This compares spending with current take-home pay. It is not a judgement about whether the spending is worthwhile.
Keep going
ASSUMPTIONS & INTERPRETATION
Money vs Time
Turn a recurring expense into annual spending and then into the equivalent amount of current paid work-time.
What the number means
Use the result to make an abstract recurring amount easier to feel. It does not decide whether the expense is wasteful or valuable.
Worked example
€10 each week is about €520 per year; at €11.54 per hour that is roughly 45 work-hours.
Good to know
See the recurring-cost method →Your real finances include many things this deliberately simple comparison does not model, including savings goals and opportunity cost.