Introducing TimeDebt
Your money is time
you can feel
Track expenses as hours of your life, not just dollars. TimeDebt makes purchases tangible so you can choose what truly earns your time.
How it works
A simple loop that changes decisions
Anchor your rate
Set your hourly wage once. TimeDebt uses it to turn prices into minutes and hours that feel real.
Log fast
Drop in a purchase with categories and tags in seconds. No accounts or messy spreadsheets.
See the tradeoff
Weekly and monthly summaries show which habits eat your time and which ones give it back.
Make it real
Dollars fade. Hours stick.
TimeDebt reframes every purchase into the time you traded for it, helping you keep the stuff that earns your energy.
Private by default
Your spending stays on your phone
TimeDebt runs entirely on-device. No accounts, no tracking, no ads. Just a clearer view of what your time is worth.
Why people stick with it
Built to make spending feel human
Time-based thinking
Every expense becomes a tradeoff in hours, not just numbers in a bank app.
Smart insights
Weekly and monthly summaries show where your time goes so you can shift it back. Included with subscription.
Private by design
No accounts, no cloud sync, no tracking. Your data stays with you.
Quick entry
Log expenses in seconds with tags and categories that fit your life.
Simple pricing
A tiny fee for a huge reality check
Try it free for 7 days, then $2.99 per year. Cancel anytime.
- Unlimited expense tracking
- Time-based cost calculations
- Spending insights and reports (included with subscription)
- All future updates included
- No ads, ever
See your money in hours
The fastest way to feel the real cost of everyday spending.