How this calculator works
If you finance part of the purchase, the calculator estimates a standard fixed repayment. It also compounds the purchase price at an alternative return assumption and converts the financed cash outflow into work hours using your net hourly figure.
How to use it
- Enter the price and cash paid upfront.
- Add APR and finance term if borrowing.
- Choose a horizon and alternative return assumption.
- Add a net hourly earnings estimate if you want the work-time view.
- Use the result as a pause-and-compare exercise, not as a judgement on the purchase.
Assumptions and limitations
The opportunity-cost value is hypothetical. Investment returns can be negative, inflation varies and the purchase itself may provide utility, income or resale value not modelled here.