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Broke by Choice
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A money guide that shows its math

Being broke is expensive. Staying broke is a decision.

Where your money leaks out without you noticing – with the annual cost, sourced numbers, and three ways out. No finger-wagging.

Find your money leaks in three minutes See the price list first

14 free calculators · no account linking · every calculation shown

Where your money leaks out without you noticing – with the annual cost, sourced numbers, and three ways out. No finger-wagging.
  • 54articles
  • 14calculators
  • 133sources
  • 0entries stored
  • Every number with a source and a date
  • Every calculation you can redo
  • Corrections stay visible

What would you like to tackle?

Plan my budgetWhat is left each month?Review my billsOrganize bills and reservesCompare purchasesSee upfront and running costsWork out car costsYour cost per mile
From Zero to Not Broke

Compare auto-loan offers beyond the monthly payment

Compare disclosed US auto-loan figures, upfront cash and final payments. Missing values and inconsistent totals become questions for the lender.

From Zero to Not Broke

The most expensive habits

Every number in one list

How it works

Leak check

Three minutes, no account, no bank connection.

1

Answer eight questions

Only amounts you consider avoidable yourself. We estimate nothing about you.

2

Get one number

What that is per year, how many working hours – and what it would grow into over thirty years.

3

Start with the best lever

Ordered by saving per hour of effort, not by amount. That way it does not end after one afternoon.

The eight leaks

  • Unused subscriptions
  • Delivery and eating out
  • The daily habit
  • Account fees
  • Overdraft and card interest
  • Devices left running
  • Contracts you never checked
  • Paid for and barely used

Where to start

Six sections

All articles

Each with its own rule for what an article has to bring.

The Money Burner

Every week, one everyday money trap taken apart: what it costs per year and how to get out.

6 articles

Broke Because …

Behavioral economics for normal people. Why your brain works against you with money, and what helps.

6 articles

Compare and Switch

Power, phone, banking, insurance: what switching gets you, how long it takes, what goes wrong.

11 articles

Cheap Life, Good Life

Saving without feeling deprived. What actually tastes good, lasts, and works – tested, not claimed.

12 articles

The Math

Numbers that hurt. Every calculation laid open, every assumption named.

6 articles

From Zero to Not Broke

The beginner series: budget, emergency fund, debt, banking, insurance, investing.

13 articles

All articles

All articles

The calculators

Calculators

Numbers you can check yourself. We store none of your entries.

Compare appliances

Purchase, electricity and payback.

6 fields

List fixed expenses

Monthly bills and reserves.

list, up to 24 rows

Compare unit prices

Price per pound, liter or item.

6 fields

Plan your budget

What is left after your expenses.

6 fields

Calculate car costs

Your full cost per mile.

12 fields

Review subscriptions

Monthly costs and unused plans.

list, up to 24 rows

What to hold us to

Source and date

Every claimed number names its publisher and retrieval date. No figure from memory.

Take a look

Math laid open

Every calculated number comes from a calculator on this site. You can redo it with your own values.

Take a look

Nothing stored

Calculators and the check run on our server and keep nothing – neither entry nor result.

Take a look

Corrected in the open

What was wrong stays visible – with the date, the old figure, and how it came to light.

Take a look

The Five-Dollar Slap

Once a week: one money trap, one way out. No fluff, no sharing your address.

Double opt-in, your address is never shared, one click to unsubscribe – and that deletes your address rather than just switching it off.