Presets and assumptions

Income $60,000 / year

What are you buying? Car · $35,000

Idle cash $25,000

What it earns 0%

0%1.5%3%4.5%6%

0% is a current account. Put in what yours actually pays.

You spend, a month $3,000

Assumptions tax 35%

Tax rate 35%

0%15%30%45%60%

Inflation 3%

0%3%6%9%12%

Your hour after tax £18.42/hr

Computed in your browser. Nothing stored.

Cash that sits still doesn't. Inflation re-prices everything around it, every year, no invoice. Some of that cash is insurance – the months you could live on if the income stopped. The rest is melting for nothing.

That car costs you

$35,000 – at $18.75 an hour after tax

10.8 months of work

Eleven months of your life. Most of a year at a desk, for this.

One working year, week by week.

Workdays 8.0

Workweeks 1.6

Price $35,000

Your yearly melt rate

A week of your life

37 hours / year

Eight months of spending. Six is insurance. The other two – $7,000 – cost you 11 hours a year for nothing.

Per year £750

Lost in 10 yr £6,420

Months of spending 8.3

Why money is stored time → read the essay

Those are placeholder numbers. Put yours in ↓