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Rent or buy? Lease or own? New or used? Get clear, personalised answers to your biggest money questions — in under 60 seconds.

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19 decision tools

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Decisions We Help With

What Decision Are You Facing?

Pick the question that's on your mind. You'll get a clear, personalised answer in under a minute.

Rent vs Buy

Should you rent or buy? See the real cost difference over 5, 10, or 30 years.

Average user saves $47K

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Lease vs Buy Car

Leasing sounds cheap — but is it? Compare total costs including depreciation.

Buying saves $3K–$8K avg

Get Your Answer

Bulk Buying Savings

Does Costco actually save money? Factor in waste and storage costs.

Save $500–$1,500/year

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Subscription Audit

You're probably paying for subscriptions you forgot about. Find out how much.

Avg $273/mo in subscriptions

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Buy vs DIY

Is your time worth the savings? Compare cost vs time for any project.

Save $50–$200 per task

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New vs Used Car

A 3-year-old car costs 40% less. But is it actually the better deal?

Used saves $12K on average

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Refinance Calculator

Could a lower rate save you thousands? See your breakeven timeline.

0.25% = $15K+ saved

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Extended Warranty

Retailers love selling warranties. The math usually doesn't love you back.

Only 15–20% payout rate

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Car Affordability

How much car can you actually afford? Get a realistic budget based on your income.

20/4/10 rule applied

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Auto Loan Calculator

Calculate your monthly payment, total interest, and full amortization on any car loan.

Pre-approve before the dealer

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Car Cost of Ownership

The sticker price is just the start. See your true 5-year cost including everything.

Real cost is 32%+ above sticker

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Car Depreciation

See exactly how much value your car will lose year by year.

Year 1 hit: 20–25%

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Home Affordability

How much house can you actually afford? Get a realistic budget using the 28/36 rule.

28/36 rule + all costs included

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Closing Costs

Don't get surprised at the closing table. Estimate every fee before you sign.

Typical: 2–5% of home price

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Rent Affordability

How much rent can you afford without stretching thin? Uses the 50/30/20 framework.

Beyond the 30% rule

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Mortgage Payoff

How much can you save by paying extra on your mortgage? See years and dollars saved.

$300/mo extra = $100K+ saved

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Credit Card Payoff

Minimum payments are a trap. See how much faster you can be debt-free.

Min payments = 19 year trap

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Pet Cost Calculator

A dog costs $20K–$40K over its lifetime. Are you financially ready?

True cost surprises most owners

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Solar Panel ROI

Do solar panels pay for themselves? See your payback period and lifetime savings.

6–10 year payback typical

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How It Works

Three steps to a confident decision.

Step 1

Pick Your Decision

Choose the question you're trying to answer — housing, cars, or everyday spending.

Step 2

Add Your Details

Fill in your specific situation — income, costs, timelines, and preferences.

Step 3

Get a Clear Answer

See a personalised recommendation with visual breakdowns you can actually act on.

Latest Guides

Guides to Help You Decide

Real-world advice for the decisions that matter most.

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Rent vs Buy in 2026: A Complete Guide to Making the Right Housing Decision

Should you rent or buy a home in 2026? We break down the true costs, hidden expenses, and key factors that determine which option saves you more money.

Leasing vs Buying a Car: Which Actually Saves You More Money?

A detailed comparison of leasing versus buying a car, including total cost analysis, depreciation impact, and when each option makes financial sense.

Does Bulk Buying Actually Save Money? The Surprising Truth

Bulk buying can save you hundreds per year or waste money if done wrong. Learn when buying in bulk makes sense and when to skip it.

Subscription Creep: You Are Probably Spending More Than You Think

The average person spends over $200/month on subscriptions. Learn how to audit your subscriptions and save hundreds per year.

Buy vs DIY: When Is It Actually Worth Doing It Yourself?

DIY can save money, but your time has value too. Learn how to calculate the true cost of doing it yourself versus buying or hiring a professional.

New vs Used Car: The Complete Total Cost of Ownership Breakdown

A new car loses 20% of its value in year one. But is used always cheaper? We compare every cost of owning new versus used vehicles.

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Free: Smart Buyer's Checklist

Get our 2026 buying decision checklist + weekly money-saving tips. Join 5,000+ smart shoppers.

Make Your Next Move With Confidence

Every big purchase deserves a clear answer. Pick a decision above and find out exactly where you stand — free, instant, no signup.

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