How the verdict works
There’s no secret formula, just the questions a careful friend would ask: how big is it compared with your pay, do you have a safety cushion, how would you pay, is it a need or a fresh want, and are you carrying card debt? Each answer nudges the meter toward green or red, and the “Why” list shows you exactly what moved it.
The 30-day rule
For anything that isn’t urgent, wait 30 days. If you still want it, and you’ve set the money aside, buy it with a clear conscience. Most impulse wants fade in that time. Our reminder button saves a calendar file so you don’t have to remember.
Price in hours of work
Seeing a price as hours of your working life is a surprisingly good gut-check. We divide your monthly take-home pay by a standard 40-hour week to get an after-tax hourly figure.
Saving up for something bigger? Read about sinking funds or set a target with the savings goal calculator.
Questions people ask
Is this financial advice?
No. It's a quick, educational gut-check based on your answers. Only you know your full situation.
What does the card interest estimate assume?
A 24% APR and a fixed monthly payment of about 4% of the price (at least $25). Your card's actual rate and terms may differ.
Is my pay stored anywhere?
Only in your own browser, so you don't have to retype it next time. Nothing is sent to us.
Steady Sums shares general education, not financial advice. For decisions about your situation, talk to a licensed professional.
