True hourly rate
Estimate after-tax hourly value from income, work schedule, region, and deductions.
5 views
Compare work time per hour, day, week, month, and year.
Local
Profile and expense data stay in local iPhone storage.
No bank
No bank connection or transaction scraping required.
Your currency
Choose GBP, USD, or another supported display currency.
Built for decisions, not just conversion.
Quick Check
Compare a purchase against first-charge hours, annual drag, and ten-year saved value.
Portfolio and currency
Compare user-maintained assets, investments, and debts in one currency and the work time behind them.
Recurring review
Rank subscriptions and recurring costs by annual hours, renewal urgency, and actionability.
Freedom planning
Connect expense choices to savings rate, expected return, and financial independence estimates.
Private on-device tools
Turn a subscription screenshot into a draft you review, and get bounded explanations of calculations and assumptions.
Transparent by design.
TimeCost does not connect to financial accounts or fetch live market prices. Portfolio values are maintained by you; currency conversion uses saved manual or public ECB reference rates. Work-time equivalents and projections are educational estimates, not time literally saved, forecasts, guarantees, or financial advice.