Payback Clock

Dial in a tool or subscription cost, hours saved per week, and your loaded hourly value; watch a clock fill to break-even days with annual ROI and a copyable payback memo.

Illustrative only: simple time-value math, not financial advice. No taxes, discounting, or multi-year NPV. "Hours saved" is your honest estimate — the clock is only as good as that number.

The purchase

Item tool, seat, hire, or gadget

Pricing how you pay for it

Monthly cost $

Ongoing / mo upkeep, optional

The time it buys back

Hours saved per week 0 h

Loaded hourly value $0/hr

Loaded value = what an hour of that person's time is really worth (pay + overhead, or your billable rate).

Break-even

EMPTY

—

to break even

Enter a cost and the time it saves.

The ring is one year (365 days). It fills to the day the purchase has paid for itself.

≤ 14 days · FAST
≤ 90 days · SOLID
≤ 365 days · SLOW
> 1 year · LONG / NEVER

Saved / week

—

Saved / year

—

Cost / year

—

Net / year

—

Annual ROI

—

Months to recoup year

—

Break-even date

—

Weekly value = hours saved × hourly value. Monthly tools: days to earn back one month. One-time buys: days to earn back the upfront price.

Payback memo

Load a preset or enter numbers to build a payback memo.