u/Fanofoot

Spent years looking at people's finances and noticed the same blind spot:

they compute price, never the *real* cost.

A $1,200 phone is not $1,200. It's:

- 6.6 days of your working life

- 1.5 months of savings gone

- $8,073 in 20 years at 10% compounded

So I built truepriceof.com — type 3 numbers (price, monthly income,

monthly surplus), get the honest math instantly. No signup, nothing

stored, runs entirely in your browser. Multi-currency, so it works

anywhere.

Inspired by Buffett, Munger, and Vicki Robin's *Your Money or Your Life*.

Early days — 400+ visits so far and 43% of them actually use the

calculator (which surprised me). Looking for honest feedback from this

sub before I push it wider.

What's missing? What would make you bookmark it vs. close

the tab?

Built this over the last few weeks with claude ,with no tech background: truepriceof.com

You enter a price, your monthly take-home, and your monthly savings. It tells you:

- How many **days of your working life** this purchase costs

- How many **months of savings** it wipes out

- What that money becomes in **10–20 years** if invested instead

No signup. No data stored (nothing you enter gets stored anywhere). Runs entirely in your browser.

Would love to know: does the output actually make you pause before buying? Or does it feel preachy?

🔗 truepriceof.com

There's a Ramit Sethi idea I've grown to love: "Spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."

Sounds reckless. It isn't.

Most of us fall into one of two traps:

• The compulsive saver — tracks every rupee, feels guilty ordering Swiggy, hasn't taken a real holiday in years. Has money but no joy.
• The unconscious spender — ₹4K on Amazon, ₹6K on food delivery, ₹2K on subscriptions barely used. Has joy but no money.

Both feel guilty. Just about different things.

The fix: Money Dials

Pick 2-3 things you genuinely love. Spend extravagantly there. Cut everything else without drama.

Common ones — good food, travel, family, health, learning, convenience.

Not balance. Actual prioritisation.

How much guilt-free spending is okay?

Roughly 10-15% of monthly income, after the basics are covered.

Income	Guilt-free spend
₹50K	₹5-8K
₹1L	₹10-15K
₹2L	₹20-30K

The point isn't the number. It's that this amount is pre-decided and used only on your dials — not reactive, random spending.

One important caveat

This only works if the floor is solid:

• Emergency fund (6-9 months expenses)
• Term + health insurance
• No credit card debt
• Basic SIPs running

Foundation first. Then dial up. Spending freely on a cracked base is just expensive stress.

You know it's working when you spend on your chosen things without explaining yourself, say no to everything else easily, and end the month feeling neither deprived nor reckless.

what do you think about guilt free spend % as a concept to simplify finances and enjoy life?

Spent years looking at people's finances and noticed the same blind spot: they compute price, never the real cost.

A $5,000 phone is not $5,000. It's:

• 27 days of your working life
• 2 months of savings gone
• $33,600 in 20 years at 10% compounded

So I built truepriceof.com — type 3 numbers (price, monthly income, monthly surplus), get the honest math instantly. No signup, nothing stored, runs entirely in your browser. Multi-currency, so it works anywhere.

Inspired by Buffett, Munger, and Vicki Robin's Your Money or Your Life.

Early days — Looking for honest feedback from this sub before I push it wider.

What's missing? What would make you bookmark it vs. close the tab?