Money · Live CRACTT tool

Everyday decision calculator

Most everyday decisions come down to arithmetic nobody does: what each option costs per month, per year, and over the time you'll actually keep it. CRACTT does that math and tells you which side wins.

First answer free · No card · Never used to train AI

What CRACTT weighs

  • Total cost of ownership

    Purchase price plus fees, maintenance, subscriptions, insurance, and consumables.

  • Break-even point

    How many months until the pricier-up-front option becomes the cheaper one.

  • Time horizon

    The answer flips depending on how long you'll actually keep or use it.

  • Cash flow

    Whether the better long-run option is affordable this month.

FAQ

What numbers do I need?
Rough prices are fine. CRACTT fills typical ranges and flags anything it estimated.
Can it compare more than two options?
Yes — list them all and you'll get a side-by-side with a recommendation.

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Common questions people ask CRACTT