Canada
All provinces & territories
Your real currency is time
Every price is hours of your life.
CostMeHours turns any price into the hours you'd actually work to afford it, after tax, after rent, after the fixed costs that quietly shrink your paycheck. Stop asking "can I afford this?" Start asking "is it worth the time?"
Live now for Canada · United States · United Kingdom
United States
Federal + all 50 states
United Kingdom
PAYE & National Insurance
No account
Numbers stay in your browser
The problem
A salary number doesn't tell you the truth.
Two people can earn the same and live completely different financial lives. Taxes, commute, rent, insurance, and recurring bills all take a cut before you ever spend a dollar. Your nominal wage isn't your real wage. CostMeHours finds the number underneath.
What it does
Four honest numbers, one clear picture.
From your real rate to any purchase in hours, CostMeHours connects money, time, and the overhead in between.
01
Your real hourly rate
Not salary ÷ hours. We factor in tax, fixed costs, commute, and unpaid time to find what an hour of your life is actually worth.
02
Any price, in hours
Type a price and see the work behind it, hours or days, at your effective rate, not a textbook one.
03
Your hidden overhead, in view
Housing, transport, insurance, subscriptions, the quiet costs that decide your real disposable income.
04
Cost of living, compared honestly
Exchange rates lie. We compare places by the hours it takes to afford the same life.
How it works
Three real steps. No spreadsheet required.
01 / DESCRIBE
Tell it your reality
Income, province or state, fixed costs, commute, as much or as little as you want.
02 / COMPUTE
We do the tax math
Accurate deductions for your country and region, so the rate is real.
03 / PRICE
Price anything
Enter a cost and watch it turn into hours of your life.
Here's what you're getting
A real calculator, doing the real math.
Actual screens from the app at app.costmehours.com, an $85k Ontario salary, priced against a $1,200 purchase.
The calculator
Your real earning power
Time cost of a purchase
Every purchase, reprinted in time: $1,200 is about 11 workdays of your life.
Coverage
Accurate where you live.
🇨🇦
Canada
Live
- All provinces and territories
- Federal and provincial tax
- CPP2 and EI
🇺🇸
United States
Live
- Federal income tax
- All 50 states
- Real effective rates
🇬🇧
United Kingdom
Live
- PAYE income tax
- National Insurance
- Scotland's own bands
Built Canada-first. Already global-ready.
Cost of living in hours
Cheaper isn't always cheaper.
An item might cost less abroad, until you count local wages, taxes, and living costs. Measured in hours worked, the gap often disappears. CostMeHours compares affordability the way it's actually felt: in time.
Same basket · measured in work hours
TorontoCA$52012.4 h
New YorkUS$50511.1 h
London£41014.8 h
Illustrative monthly groceries basket. In the app, the hours come from your own rate.
Who it's for
Anyone weighing money against time.
Weighing a purchase, comparing job offers, planning a move, or just wanting an honest look at your earning power, employees, freelancers, and the self-employed alike.
Weighing a purchase
Comparing job offers
Planning a move
Employees
Freelancers
The self-employed
Anyone curious what an hour is worth
In development
Check any price on the spot.
A mobile experience where you log in once, then check any price where you stand, and see it next to what you and others have checked in the same category. The real price of things, measured in the time we trade for them.
Price scanning
Category benchmarks
On-the-spot checks
Money comes back. Time doesn't.
See what your money is really worth.
One number changes how you see every price. It takes about a minute.
Get in touch
Suggestions, questions, collaboration.
Tell us what would make this more useful to you. We read everything and reply to most messages within one or two business days.