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.