Is that $49/month AI subscription actually earning its keep? Enter your numbers below — the calculator turns your hourly rate × hours saved into dollar savings, then compares up to 5 tools by their true monthly cost. Everything runs in your browser; nothing is stored or sent anywhere.
Step 1 — Your numbers
What one hour of your billable time is worth.
Be honest — count only time the tool actually saves you.
Step 2 — The tools (up to 5)
Example prices are pre-filled so you can see how it works — replace them with the actual prices you pay (check the vendor's pricing page; prices change).
Net gain = monthly savings − tool's monthly price.
Return multiple = monthly savings ÷ monthly price (e.g. 10× means the tool "pays for itself" ten times over).
Break-even = monthly price ÷ hourly rate = hours per month the tool must save to justify itself.
Verdict: Worth it if net gain is strongly positive (return ≥ 3×); Borderline if 1–3×; Costs you money if net gain is negative.
This is arithmetic on your inputs, not a product recommendation. Savings assume your freed hours are actually billable or valuable — idle time saved is worth $0.