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Know what things really cost before you decide.

Free calculators for energy bills, cars, heating and household money — in your own units and currency, with every formula shown and every default rate sourced and dated.

Official data sources, dated
Formulas tested by hand
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All calculators

Home energyElectricity Cost CalculatorTurn kWh, unit rate and standing charge into a monthly and yearly electricity bill, and compare two tariffs side by side.Home energyHome Appliance Running Cost CalculatorFind out what a fridge, heater, TV or dryer really costs per hour, month and year — including standby power.Driving & commutingEV Charging Cost CalculatorCost of a charging session and cost per mile or km, blending cheap home charging with public rapid chargers.Driving & commutingGas vs Electric Car Cost CalculatorCompare a petrol/gasoline car with an EV over the years you'll own it: fuel, electricity, maintenance and break-even point.Home energyHome Office Electricity Cost CalculatorWhat working from home adds to your electricity bill: laptop, monitors, lighting and a space heater, per day and per year.Money & householdCompound Savings CalculatorProject a savings balance with monthly deposits, any compounding frequency and an optional inflation adjustment.Money & householdInflation Purchasing Power CalculatorWhat money from one year is worth in another using official CPI data, or project the future with your own inflation rate.Money & householdSubscription Spending CalculatorAdd up streaming, software, gym and app subscriptions billed weekly, monthly or yearly — and see what trimming saves.Driving & commutingCommute Cost CalculatorYearly cost of driving to work — fuel, parking, tolls and wear — against public transport, plus the value of your time.Money & householdMonthly Household Budget CalculatorLay out income and bills, see your surplus and savings rate, and compare your split with the 50/30/20 guideline.Money & householdRent vs Buy CalculatorCompare the long-run net worth of renting and investing against buying a home, with buying, selling and ownership costs.Home energyHeat Pump Running Cost CalculatorEstimate a heat pump's yearly running cost from your heat demand and SCOP, and compare it with your gas or oil boiler.Home energyHome Heating Cost CalculatorCompare the cost of a unit of useful heat from gas, heating oil, propane/LPG, electric heaters and heat pumps.Home energySolar Panel Savings CalculatorPayback period and lifetime savings for rooftop solar from your generation estimate, self-use share and export rate.Money & householdCost of Living Comparison CalculatorCompare your monthly costs in two places — even across currencies — and the income you'd need to keep the same lifestyle.

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Home energyElectricity bills, appliances, heating, heat pumps and solar — in your own units and currency.6 calculators →Driving & commutingFuel, EV charging and the real cost of getting to work.3 calculators →Money & householdSavings growth, inflation, budgets, subscriptions and big housing decisions.6 calculators →

How SmartCost Lab is different

Most cost calculators quietly assume a price for you. We only pre-fill a rate when we can point to the official source and the period it covers — such as the U.S. EIA, Ofgem, Statistics Canada or the Australian Bureau of Statistics — and we print that label right under the input. Where no trustworthy national figure exists, the field starts empty and asks for the number on your bill.

Every calculator lets you compare scenarios side by side, explains its method in plain English, and shares results through a link that leaves out personal figures like income or balances unless you choose to include them. Read our methodology.