Discretionary spending

How many hours of work does that spending really cost?

Turn discretionary spending into time. Enter what you spend on the small stuff — takeaway, subscriptions, coffees — and your pay. We'll show how many hours (after tax) you need to work to fund it.

Every dollar you spend is time you already worked. Is this how you want to use that time?

Your discretionary spending
Your pay (for after-tax hourly rate)

Rough average rate on your income. e.g. ~28% for $80k, ~34.5% for $120k.

Hours of work (after tax) to fund this spending —

Over a full year —

This is an estimate only, not personal advice. Omission of data or unique variable will have a considerable influence on outcomes. Consider speaking to a licensed adviser for a plan tailored to you where personal variables will be confirmed by supporting documents specific to your preferences and circumstances

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What to do next

Use this whenever you're tempted to spend — or when you get a pay rise and want to see the new number. No judgement, just clarity.

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Information is intended to be only used as a guide. We highly recommend you seek professional advice from licensed professionals. Omission of detail may make scenarios and opportunities not suitable for your specific circumstances.