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True Cost

Calculator

What a price costs in your time

Estimates only. Not financial advice. Your inputs stay in this browser.

Money is never only money—it is hours you will not spend another way. One amount becomes net working hours and eight-hour days from gross salary, a rough tax rate, and the hours you really work. Rounded defaults, any currency. The page is static in your browser; nothing is sent to a server here, and there is no account—only rough estimates, not tax advice.

At the pace implied by your net pay, this price equals about 19.6 hours of work, roughly 2.46 eight-hour days. Ballpark only.

Net annual income
€40,560.00
Net hourly rate
€22.90/hr
Hours to earn it
19.65 hrs
Eight-hour days
2.46 days

How it works

In one pass: we estimate your net annual income from gross salary and your tax percentage, divide by total annual work hours to get a net hourly rate, then divide the item price by that rate. The "days" line simply divides those hours by eight so you can picture familiar chunks of time.

If your weeks vary, your tax situation is odd, or your days are not eight hours, treat the output as a compass needle, not a court ruling.

The math in plain language

  1. Net annual income (approx.) = gross salary × (1 − tax rate ÷ 100)
  2. Annual work hours = hours per week × weeks per year
  3. Net hourly rate = net annual income ÷ annual work hours
  4. Hours for this purchase = item price ÷ net hourly rate
  5. Eight-hour days = those hours ÷ 8