{"slug":"price-in-hours","name":"Price in Work Hours","category":"everyday","tags":["shopping","income"],"tagline":"What a price really costs you: hours of your own work, at your take-home pay.","endpoint":"https://xearno.tools/api/v1/tools/price-in-hours","page":"https://xearno.tools/t/price-in-hours","description":"Converts any price — a purchase or a subscription — into the hours and workdays of your own labor it consumes, using take-home pay rather than gross (you buy things with net money). For recurring costs it adds the yearly bill, the share of your working year, and what the same money becomes if invested instead. Time is the one budget everyone understands.","inputSchema":{"type":"object","properties":{"price":{"description":"Price","type":"number","minimum":0.01,"default":1200},"cadence":{"description":"How often","type":"string","enum":["once","monthly","yearly"],"default":"once"},"payMode":{"description":"You earn","type":"string","enum":["hourly","salary"],"default":"hourly"},"pay":{"description":"Pay (gross) Hourly rate or annual salary, before tax — the next field nets it down.","type":"number","minimum":0.01,"default":25},"takeHomePct":{"description":"Take-home share (%) The share of gross you actually keep after tax and contributions. Typical full-time range: 65–85%.","type":"number","minimum":10,"maximum":100,"default":75}},"required":[],"additionalProperties":false},"methodology":["Net hourly pay = gross hourly (or salary ÷ 2,080 hours) × take-home share. Work hours = price ÷ net hourly. Using net pay is the point: a $1,200 purchase at a $25 gross wage is not 48 hours — after tax it is more, and gross-wage framings systematically understate the labor cost of spending.","Recurring costs are annualized (×12 for monthly) and expressed against a 2,080-hour working year. The \"invested instead\" figure compounds the same payment stream for 10 years at 7% nominal (monthly compounding for monthly costs) — a reference point, not a forecast.","The behavioral basis: concrete frequency formats (\"31 hours\", \"4 workdays\") measurably improve judgment where percentages and abstract sums fail (Gigerenzer & Hoffrage); exponential-growth bias makes recurring costs feel smaller than their compounded reality (Stango & Zinman). This tool is those two corrections applied to a price tag."],"usage":"POST https://xearno.tools/api/v1/tools/price-in-hours with a JSON body matching inputSchema."}