Free tool
Weigh an upfront cost against the money it saves you each month. Great for annual memberships, solar, efficient appliances, and buy-vs-subscribe calls.
Net monthly benefit = savings minus any ongoing cost. If that's zero or negative, the purchase never breaks even.
At $90/mo net, you recoup $1,200 in month 14, then it's pure gain.
The line starts below zero (you're out the upfront cost) and climbs as the monthly benefit adds up. Where it crosses zero is your break-even point.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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