What is it really worth?
Free calculators that reveal the true value of your work and spending — real hourly wage, commute cost, cost per use, and more. No signup, no data stored.
Your work, valued honestly
What an hour of your working life is actually worth once you count everything the job takes.
Real Hourly Wage
Your salary says one number. Your commute, prep time, and work expenses say another.
Commute Cost
Add up the money and the hours your commute quietly takes every year.
PTO Value
Unused vacation days are earned money. See exactly how much you're leaving behind.
Side Hustle Profit
Revenue isn't profit. See what your side gig really pays per hour after expenses and taxes.
Freelance Rate
Work backwards from the income you want to the rate you must charge.
Overtime Pay
See what those extra hours add to your paycheck — per week and per year.
Hourly ↔ Salary
Convert an hourly rate into what it means per year, month, and week.
Raise vs Inflation
A 4% raise during 5% inflation is a pay cut. Find out what your raise was really worth.
Your spending, valued honestly
What a purchase or subscription really costs once you spread it over how you actually use it.
Cost Per Use
A $200 jacket worn 100 times beats a $40 one worn twice. Do the math before you buy.
Subscription Cost
Small monthly charges, honest yearly total. List them and see what they add up to.
Latte Factor
What would that recurring habit be worth in 10 years if it went into an index fund instead?
Time Cost
That purchase costs money. This calculator tells you how many hours of your life it costs.
Your money goals, mapped honestly
How far you actually are from debt-free, a savings goal, or never needing to save again.
Why WorthMath?
Prices and salaries rarely tell you what something costs in the currency that matters: hours of your life and money you actually keep. Every calculator here converts a decision — a job, a commute, a purchase — into that honest denominator.
Everything runs in your browser. No accounts, no stored data, no spreadsheets required.