TimeCost: Money in Work Hours

See spending, assets, investments, and debts in one selected currency and the tax-aware work time behind them. Manual values, transparent FX, no bank login.

TimeCost turns money into the after-tax work time behind it.

Set your income, tax region, working pattern, and display currency. Then use one consistent time lens for spending, recurring costs, assets, investments, and debts.

MAKE BETTER SPENDING DECISIONS

• Run a Quick Check before a purchase
• See one-off and recurring costs in work hours
• Track expenses, renewals, decisions, and actual savings
• Start Live Time Value for meetings or any activity with a running money cost
• Review recurring expenses by annual drag, urgency, and long-run impact

SEE YOUR PORTFOLIO IN WORK TIME

• Add accounts and manually maintained holdings for cash, shares, funds, pensions, property, businesses, crypto, mortgages, loans, credit cards, and other assets or debts
• Enter a total value or calculate one from quantity and unit price
• Compare assets, liabilities, net worth, unrealised gain, income, and planned contributions in your selected currency
• See the equivalent paid work time for each holding and your overall net worth
• Review allocation and a clearly labelled 10-year investment illustration

CONTROL CURRENCY CONVERSION

• Choose the display currency you want
• Refresh public European Central Bank reference rates or enter your own rate
• See the source and effective date used for portfolio conversion
• Missing conversions are excluded from totals and clearly flagged instead of being relabelled

PLAN WITH CONTEXT

• Calculate a region-aware estimated net hourly rate
• Explore Freedom Meter scenarios and saved-time impact
• Use widgets, calendar exports, shareable decision cards, JSON backup, and Pro PDF reports
• Keep data local first, with optional private iCloud sync on every plan and no TimeCost login

Portfolio values, prices, cost basis, income, contributions, and manual exchange rates are entered and maintained by you. TimeCost does not connect to banks, brokers, exchanges, or live market-price feeds. ECB rates are reference rates, not transaction quotes. Projections are deterministic illustrations based on your assumptions, not forecasts or guarantees. Gains shown are unrealised; realised gains and actual investment performance are not calculated.

Optional auto-renewable subscriptions unlock expanded limits and features. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel subscriptions in App Store account settings.

TimeCost provides estimates for personal planning and education. It is not financial, investment, tax, accounting, or legal advice.

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