TimeCost: Money in Work Hours

Spending and assets in time

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

See spending, assets, investments, and debts in one selected currency and the tax-aware work time behind them. Manual values, transparent FX, no bank login. TimeCost turns money into the after-tax work time behind it. Set your income, tax region, working pattern, and display currency. Then use one consistent time lens for spending, recurring costs, assets, investments, and debts. MAKE BETTER SPENDING DECISIONS - Run a Quick Check before a purchase - See one-off and recurring costs in work hours - Track expenses, renewals, decisions, and actual savings - Start Live Time Value for meetings or any activity with a running money cost - Review recurring expenses by annual drag, urgency, and long-run impact SEE YOUR PORTFOLIO IN WORK TIME - Add accounts and manually maintained holdings for cash, shares, funds, pensions, property, businesses, crypto, mortgages, loans, credit cards, and other assets or debts - Enter a total value or calculate one from quantity and unit price - Compare assets, liabilities, net worth, unrealised gain, income, and planned contributions in your selected currency - See the equivalent paid work time for each holding and your overall net worth - Review allocation and a clearly labelled 10-year investment illustration CONTROL CURRENCY CONVERSION - Choose the display currency you want - Refresh public European Central Bank reference rates or enter your own rate - See the source and effective date used for portfolio conversion - Missing conversions are excluded from totals and clearly flagged instead of being relabelled PLAN WITH CONTEXT - Calculate a region-aware estimated net hourly rate - Explore Freedom Meter scenarios and saved-time impact - Use widgets, calendar exports, shareable decision cards, JSON backup, and Pro PDF reports - Keep data local first, with optional private iCloud sync on every plan and no TimeCost login Portfolio values, prices, cost basis, income, contributions, and manual exchange rates are entered and maintained by you. TimeCost does not connect to banks, brokers, exchanges, or live market-price feeds. ECB rates are reference rates, not transaction quotes. Projections are deterministic illustrations based on your assumptions, not forecasts or guarantees. Gains shown are unrealised; realised gains and actual investment performance are not calculated. Optional auto-renewable subscriptions unlock expanded limits and features. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel subscriptions in App Store account settings. TimeCost provides estimates for personal planning and education. It is not financial, investment, tax, accounting, or legal advice. Terms of Use: https://www.timecost.co/terms/ Privacy Policy: https://www.timecost.co/privacy/

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New in TimeCost 1.1: - Add accounts and manually maintained holdings for cash, investments, pensions, property, businesses, crypto, mortgages, loans, credit cards, and other assets or debts. - Compare assets, liabilities, net worth, unrealised gain, income, and planned contributions in your selected currency and as tax-aware work-time equivalents. - Choose your display currency, refresh ECB reference rates, or enter a manual exchange rate. Missing conversions are excluded and flagged. - Review portfolio allocation and a clearly labelled 10-year illustration. - Include portfolio and exchange-rate data in widgets, Pro PDF reports, and JSON backups. Values and prices are manually maintained. Projections are illustrations based on your assumptions, not forecasts or guarantees.

Version 1.1.0

The developer, David Shelley, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    • David Shelley
    Size
    • 5.5 MB
    Category
    • Productivity
    Compatibility
    Requires iOS 17.0 or later.
    • iPhone
      Requires iOS 17.0 or later.
    • iPad
      Requires iPadOS 17.0 or later.
    • Mac
      Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    • English
    Age Rating
    4+
    In-App Purchases
    Yes
    • TimeCost Plus Monthly $2.49
    • TimeCost Plus Annual $13.99
    • TimeCost Pro Annual $19.99
    • TimeCost Pro Monthly $3.99
    • Learn More
    Copyright
    • © 2025 Halo AI Services Ltd
  • Developer Website
  • Privacy Policy

    • More by David Shelley

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