Tools Your Real Hourly Wage

Free tool · Your Real Hourly Wage

What are you really paid for each hour of your life?

Your paycheck pays for your scheduled hours. Your job takes more: the commute, the unpaid evenings, the time spent getting ready and winding down, and the money it costs to show up. Add those back in to find your real hourly wage, and what a purchase really costs in time.

Step 1 · Your pay

After taxes and deductions: what reaches your bank account in a year.
Leave blank for 48: four weeks of vacation and holidays.
Days you commute. Leave blank for 5.

Step 2 · The hidden hours

There and back. 0 if you work from home.
Evenings, weekends, email on your phone.
Time you spend only because of work: dressing for it, decompressing after it.

Step 3 · The hidden costs

Gas, parking or transit, work clothes, lunches and coffee bought because you’re at work, extra childcare.
Something you’re considering. Leave blank to see what $100 costs.

Private by design: everything is calculated in your browser. Nothing you type is saved or sent.

How this calculator works

Real hourly wage = (take-home pay − work costs) ÷ all hours work takes

The idea comes from Your Money or Your Life by Vicki Robin and Joe Dominguez. Your paid wage divides your pay by your scheduled hours. Your real wage subtracts what it costs to work, then divides by every hour the job takes: paid hours, the commute, unpaid work, and the time spent getting ready and recovering.

Dividing a price by your real wage turns money into life energy: the hours of your life a purchase really costs. Nothing here says to quit your job. A shorter commute, a remote day, or fewer after-hours emails can raise your real wage as much as a raise would.

Words you’ll see

Real hourly wage
What you actually keep for each hour your job takes from your life, after work costs and unpaid time.
Take-home pay
Your pay after taxes and payroll deductions.
Hidden hours
Time a job takes that it doesn’t pay for: commuting, unpaid work, getting ready, and winding down.
Life energy
The hours of your life you trade for money. Pricing purchases in hours makes that trade visible.