See where your money really goes
Free calculators for the everyday money decisions that are harder than they look. Compare the real cost of commuting, travel, cars, recurring spending, debt and major purchases using numbers that reflect your situation.
Find a calculatorCommon money questions
Start with the question you actually have.
What does your commute really cost?
Your yearly cost including fuel, parking, tolls and vehicle wear — and what remote days would save.
Calculate my commuteIs it cheaper to fly or drive?
Compare the full cost of both trips alongside real door-to-door travel time for your party size.
Compare fly vs driveWhat are your points or miles worth?
Cents per point for any redemption, points converted to dollars, and points vs paying cash.
Value my pointsIs an EV actually cheaper to drive?
Cost per mile for electric and gas, plus how the gap adds up over years of ownership.
Compare EV vs gasWhat will charging your EV cost?
Home, public or a mix of both — per session, per month and per mile driven.
Calculate charging costHow much is your credit card really costing you?
Interest paid, payoff time, and how much sooner you'd be done paying a little extra each month.
Check my payoffSee how your everyday spending adds up
Subscriptions, coffee, takeout and other repeating expenses, normalised into one monthly and yearly total.
See what adds upHow many hours must you work to buy this?
Turn any price into working hours using your real take-home pay.
Convert price to work hoursEveryday money
Income, savings and purchase decisions.
How much money do you have left after bills?
Take-home pay minus your real monthly expenses.
See what's leftHow much emergency savings do you need?
Your target, and how long reaching it would take.
Calculate my emergency fundWhich option costs less over time?
Compare two choices and find the break-even point.
Compare my optionsHome & getting around
Day-to-day running costs around the house and on the road.
Latest Money Insights
Fresh articles on spending habits, saving money, travel costs, home expenses, and everyday financial decisions.
EV Range in Winter vs Summer: How Temperature Changes Range, Charging and Cost
The same EV trip can feel very different at 20°F, 75°F and 95°F. How temperature changes range, charging speed, cost per mile and road-trip planning.
What’s the Cheapest Way to Travel Cross-Country? Fly vs Drive and the Costs That Change the Answer
A cheap ticket can beat a road trip alone and lose badly as a family. How group size, hotel stops, rental cars and door-to-door time change the answer.
Is a Long Commute Worth It? The Real Cost Beyond Gas
A job that pays more can still leave you worse off. How to weigh a long commute in money, time, vehicle wear and office days — and what you get back.
Why Trust CostWise Calculator
An independent project built by people who actually use these tools — not a faceless content farm.
✓ Your numbers stay yours
Everything runs in your browser. We don't store inputs, track results, or build a profile on you.
✓ No paywalls, no upsells
Every calculator is free. We're supported by unobtrusive ads — not affiliate-driven results.
✓ Costs simple calculators skip
Where it matters we include things like vehicle wear, fees and travel time, so the answer reflects real life.
✓ Visible assumptions
Every calculator shows its method, its assumptions and what the result actually means. Estimates, never advice.
Frequently Asked Questions
No signup. No spreadsheets. Just clear answers.