THE HONEST LEDGER Vol. I · A Tool for Humans
A Purchase-Decision Tool

Before you buy it,
see what it really costs you.

Not in money. In days of your life. Because that's the currency you're actually spending.

Show me the truth → takes 10 seconds · no signup · nothing stored
· · ·

Tell me three numbers.

I'll tell you the truth.

🔒
Your numbers stay with you. Nothing you enter — income, savings, price — is stored, sent, or saved anywhere. This calculator runs entirely inside your browser. Every number vanishes the moment you close the tab.
$
The item you're about to buy
$
After tax, what hits your account
$
After rent, EMI, food — what's left to compound
🤔
PAUSE
Let's look at what you're really trading...

— The Real Cost Breakdown —

Days of your working life
— days
Hours of work
— hours
Months of savings gone
— months
% of your yearly savings destroyed
— %
Worth in 10 years (at 10% compounded)
—
Worth in 20 years (at 10% compounded)
—
% of one month's income
— %

※ Compounded values assume ~10% long-term equity returns. Historical benchmark, not a guarantee. Adjust mentally for your market and risk tolerance.

"Do not save what is left after spending;
spend what is left after saving."
— Warren Buffett