৳MoneyManager

Time & Worth

What an hour of your life is worth, what an hour of it costs, and whether that is getting better or worse.

One working hour
৳336.54
What an hour earns you
Per minute
৳5.61
After the burn
৳271.6
An hour off costs
৳401.5
An hour you do not work does not cost you ৳336.54 — it costs ৳401.45, because the earning stops and the spending does not. That gap is the number nobody ever sees, and it is the whole reason this page exists.
Passive, per hour
৳0

Nothing recorded as passive. Mark a stream passive on the Income page and it starts counting around the clock instead of only during working hours.

You spend, per hour
৳64.91

Averaged across every hour of the month, awake or not. About ৳1.6K a day leaves regardless of what you do.

Fixed floor, per hour
৳0

Rent, bills and commitments, spread across the clock. This meter runs while you sleep, argue, or take a holiday.

Passive share
0%

The share of your income that arrives without your time. Until this moves, every taka you earn is rented, not owned.

What your time actually costs

Worked through at your real rates. The bill is only ever half of what an evening costs.

A weekly আড্ডা — three hours, ৳500 a time
Spent, over a year
৳24,000
Hours given up
That is what those evenings take out of the year
144 hours
Earning those hours displaced
৳57,808.8
What it really costs
৳81,808.8

This is not an argument against আড্ডা — friendship is not a leak, and a life optimised to zero non-earning hours is not a life. It is an argument for knowing the real figure, which is 3× the bill you actually see.

Everyday purchases, priced in your life
A ৳300 lunch out
0.9 hours
A ৳2,500 pair of shoes
7.4 hours
A ৳12,000 phone
35.7 hours

Priced against what an hour actually earns you. Money is a number you can argue with; hours are not, which is why this framing changes decisions when the taka figure does not.

No passive income yet. Every taka you currently earn is rented against your hours: stop, and it stops. Mark any stream that arrives without your time — interest, rent, dividends, an ad-funded asset — as passive on the Income page, and this page will start tracking the only ratio that ever buys you your time back.

Your days

A rough end-of-day estimate is all this needs. Over weeks it turns into the thing you cannot see by eye: where your hours actually go, and what that pattern is costing.

Rough is fine. An estimate written down beats an exact figure you never record.
Wednesday 5 August
0m logged24h unaccounted
Earning
0m
Spent
৳0
Hours' worth given up
৳0
Day net
৳0

Nothing logged for this day.

Is this getting better or worse?

Month by month, so today's bad day is read as weather rather than climate.

Not enough history yet. Two months of logging is the point where the comparison starts meaning something rather than just reflecting which days you happened to record.

Aug 20261 day logged0% productive0h/day earning
Spent ৳0 · hours given up ৳0net ৳0
How these numbers are built. Earned income is divided by the hours you actually work, because that is when it accrues. Passive income is divided by every hour of the year, because that is when it accrues — averaging the two together produces a rate that describes neither. Spending is spread across the whole clock, since it does not stop when you do. Sleep is never counted as forgone earning: you cannot work those hours, and a tool that charged you for resting would be both wrong and cruel. What is left — ৳401.45 an hour — is the honest price of an hour spent on something other than earning. 8 kinds of time are tracked, and the two marked productive are the only ones that move the trend.