Money decision practice

Can I Afford It?

Protect important bills, calculate the checkout total, and explain whether a purchase fits before buying.

What is truly available?

Enter monthly take-home income and the priorities that must be covered first.

Take-home income$ Rent / housing$ Internet$ Phone$ Cable / streaming$ Electric$ Water$ Trash$ Food / groceries$ Transportation$ Insurance / medicine$ Planned savings$ Entertainment / fun$ Other priorities$

Planned priorities $1,520.00 Available after priorities (disposable income) $80.00

What do you want to buy?

Enter any item. Calculate its discount and sales tax, then compare the checkout total with your disposable income.

Item Original price$ Discount% Highest planning sales-tax rate%

How to calculate the sales tax

We use 12% as a conservative highest combined state-and-local retail rate. The exact rate where you shop may be lower.

Convert the percentage to a decimal12% ÷ 100 = 0.12
Multiply the sale price by the decimal$0.00 × 0.12 = $0.00 tax
Add the tax to the sale price$0.00 + $0.00 = $0.00 total

Original price$0.00

Discount−$0.00

Sale price$0.00

Estimated tax$0.00

Checkout total$0.00

Your decision check

Enter an item price to check it.

The tool will calculate the discount, tax, checkout total, and amount remaining.

Available$80.00 After purchase$80.00

Explain your decision

Compare the checkout total with your disposable income, then consider your priorities. There is no single best answer for everyone.

Why does this purchase fit—or not fit—your budget? What is the best solution for you right now?

Your responses stay in this browser session and are not submitted to DYBS.

Before buying, compare your options

Prices and availability change. Compare the same item, condition, shipping cost, return policy, and final checkout total before deciding.