Decision list
Decision guides
Browse standalone decision pages when you want one focused question, a plain-English explanation, the right number check and a practical next step.
Not sure where to start?
Use this page when you have one clear question, such as a bill, quote, deadline or target. Use guided planning when you want a fuller route with worksheets and comparisons.
What each guide gives you
Question, number check, next step
Each guide starts with a real question, points you to the useful number tool, then shows what to double-check before you rely on the answer.
Home and family
Money decisions
Can I afford this monthly payment?
A payment is affordable only if it still leaves room for normal bills, irregular costs, savings and a realistic buffer.
Monthly bill audit planner
List repeat payments, provider names, renewal dates, price rises and keep-cancel actions before cutting costs.
How long will it take to reach my savings goal?
Goal time depends on the gap between your current balance and target, divided by the amount you can add each month.
How much emergency fund do I need?
Use essential expenses, target months and current savings to set a first milestone.
Emergency Fund Planner
Print the sheet for essentials, target months, savings gap and milestone planning.
Home and bills
Should I rent or buy?
Compare the full monthly cash cost, not just rent versus mortgage. Ownership also includes taxes, insurance, maintenance and moving costs.
How much does this appliance cost to run?
Running cost comes from power use, time used and electricity price. Always-on devices can matter because the hours stack up.
How much paint do I need?
Paint needed depends on wall area, number of coats and coverage per tin or gallon.
How much will my home project cost?
Estimate materials, labour, fees, tools, delivery and contingency before starting.
Study, work and travel
What grade do I need on my final exam?
Use your current grade, target grade and final exam weight.
How much should I charge per hour?
Cover target income, business costs, unpaid admin time, holidays and quiet weeks.
Which job offer is better?
Compare salary, benefits, commute costs and likely extra hours before choosing.
How much will this road trip cost?
Fuel cost is distance divided by MPG, multiplied by fuel price, then checked against non-fuel costs.
Health, shopping and dates
How many calories do I need?
Calorie estimates depend on body size, activity and goals. Use them as a planning range, not a perfect prescription.
Is this discount actually worth it?
Check the final price when percentages, stacked offers or cashback wording make a deal unclear.
How many days until my deadline?
Calendar days show the full countdown. Weekdays show the practical work window.