TimeCost
iPhone app release in progress

See every expense as work time.

TimeCost turns purchases, recurring bills, and income assumptions into tax-aware hours so decisions feel concrete before money leaves your account.

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4 Tax regions: US, UK, Canada, and Australia.
Local Profile and expense data stay in local iPhone storage.
No bank No bank connection or transaction scraping required.
CSV Pro export for expense review and spreadsheets.

Built for decisions, not just conversion.

True hourly rate

Estimate after-tax hourly value from income, work schedule, region, and deductions.

Quick Check

Compare a purchase against first-charge hours, annual drag, and ten-year saved value.

Recurring review

Rank subscriptions and recurring costs by annual hours, renewal urgency, and actionability.

Freedom planning

Connect expense choices to savings rate, expected return, and financial independence estimates.

Deliberately limited claims.

TimeCost does not claim bank sync, PDF reporting, household collaboration, Apple Watch support, or home-screen widgets until those capabilities are shipped end to end. The current release focus is App Review readiness, truthful subscription metadata, and a reliable iPhone experience.