TrueCost: Money Decisions

Rent or buy? Annual or monthly subscription? Finance it or pay cash? TrueCost turns any big money "what if" into a clear answer. Build two options side by side, set how long you want to look ahead, and see which one actually leaves you better off — all in today's money. Compare any two money decisions Each option is made of simple building blocks: income, expenses, investments, assets, and loans. That's enough to model almost any choice — rent vs buy a home, owning a car vs ride-hailing, leasing vs buying, paying cash vs financing, investing a lump sum vs buying property, or two investment strategies. TrueCost projects both and shows a dual net-worth chart, a verdict with the size of the gap, and exactly when one option overtakes the other. Honest, inflation-adjusted numbers Everything is shown in today's money, so a number 20 years out means what it sounds like. The rates you enter are treated as nominal and converted to real using each item's inflation — no inflated headline figures. Start in seconds Pick from ready-made presets — Salary, Rent, Index fund, Mortgage, Car, and more — then tweak the numbers to match your situation. Built for real life • Income, expenses, investments, assets, and loans • Recurring or one-time items, with start and end dates • Loan amortization and asset depreciation • Multi-currency: set exchange and inflation rates per currency, or fetch live rates • Horizons from 6 months to 50 years Private and free No account. No sign-up. Your scenarios stay on your device. TrueCost is a comparison and planning tool that uses clear, simplifying assumptions. It is not financial advice.