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Calculator

True cost calculator: tax, fees, and delivery

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

Calculate the real price of a purchase after tax, delivery, service fees, an optional tip, and monthly extras. See the upfront total and first-year cost instantly. For monthly affordability, use Can I afford this?

VAT is applied to the item price only. Add delivery, fees, and tip after that—like many receipts.

Upfront total

€360.80

First-year total

€360.80

Summary

Upfront you pay €360.80 in total; with no ongoing maintenance, your first-year total matches the upfront amount.

Breakdown

  • Item price€299.00
  • VAT or tax on item€56.81
  • Delivery€4.99
  • Service fee€0.00
  • Tip€0.00
  • Upfront total€360.80

How it works

VAT is calculated on the item price only. Delivery, service fees, and tip are added after that—similar to many receipts. Maintenance multiplies by twelve for a first-year view.

Example: the real cost of a $1,000 purchase

A $1,000 item with 8% tax, $30 delivery, and a $20 service fee costs $1,130 upfront. Add $10 per month in maintenance and the first-year total becomes $1,250. Read the step-by-step guide to calculating a price after tax and fees, or enter your own numbers above.

Frequently asked questions

What should I include in the true cost?

Start with the item price, then include sales tax or VAT, delivery, service fees, tips, and any recurring maintenance or add-on costs.

Does the calculator add tax to delivery and fees?

No. This calculator applies tax to the item price only, then adds delivery, fees, and tip. Tax rules vary, so adjust your inputs when your receipt works differently.

Is my purchase information saved?

The calculation runs in your browser. There is no account, and your entered purchase amounts are not sent to a True Cost backend.