See your real earnings after rent, commute, and life costs.
Your payslip doesn't show the true cost of staying employable. The Real Cost Simulator reveals what you actually keep each month and your real hourly rate once your time and work-related costs are included & then most importantly, how to fix it.
Start my month →
Under 1 minute. No login.
How it works
- Enter your income and rent or mortgage costs.
- Add commute time, transport mode, and monthly lifestyle expenses.
- The simulator calculates how much you actually keep per month.
- It also shows your real hourly rate, including time spent commuting.
- Adjust sliders to compare rents, remote days, and life changes.
Why this matters
Payslips don't include the hidden costs of working: long commutes, high rent, debt repayments, childcare, and ongoing "maintenance" spending to stay employable. These can quietly erase most of your income.
The Real Cost Simulator gives you one clear number: your hour of freedom. How much you keep per hour once work-related time and costs are accounted for.
- “Should I move closer or go fully remote?”
- “Is this promotion worth the extra hours and travel?”
- “Would I keep more if I lived somewhere cheaper?”