Finance
Estimate the monthly value of remote days: daily commute spending plus recovered commute time, minus extra home costs.
Results update as you type. No calculate button. All calculations run locally in your browser.
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| Item | Value |
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Cash saving is commute spending saved minus extra home costs. Time value is recovered hours times hourly value. The total combines both.
Bars compare the cash half with the time half. The cash bar is floored at zero for display when cash saving is negative — the table shows the true figure.
| Scenario | Value |
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Each row reuses your daily commute figures and hourly value and varies only remote days. Home costs are monthly and fixed, so few remote days look worse per day.
Monthly value = remote days × (daily commute spending + commute minutes ÷ 60 × hourly value) − extra home costs. Cash saving = remote days × daily commute spending − extra home costs.
Commute $45 per day, 90 minutes per day, hourly value $80, 12 remote days, extra home costs $300. Per day: $45 + 90 ÷ 60 × $80 = $45 + $120 = $165. Gross = 12 × $165 = $1,980. Total = $1,980 − $300 = $1,680 per month. Cash-only (hourly value zero): 12 × $45 − $300 = $240 per month. Recovered time = 12 × 1.5 = 18 hours.
Set hourly value to zero for a cash-only comparison: recovered time is not automatically spendable income, and valuing it at full hourly cost overstates the benefit if it is absorbed by household tasks or rest. Extra home costs are a single monthly figure — heating, electricity, equipment, and food increases must all be inside it or the cash saving is overstated. Commute spending should be after any employer subsidy, and the model does not cover career, collaboration, or wellbeing effects in either direction.
Each remote day is worth daily commute spending plus commute minutes divided by 60 times hourly value; multiply by remote days and subtract extra monthly home costs.
Only if the recovered time earns or saves money. For a cash-only view, set hourly value to zero — the worked example's cash-only figure is $240, not $1,680.
The increase in heating, electricity, internet, equipment, and food caused by working from home, for the month. If you would pay most of it anyway, do not count it.
Because home costs are monthly and fixed while savings scale with days. One remote day a month rarely covers a full month of extra home costs on cash alone.
Yes: minutes and spending should be the full round trip for the day, not one leg. Halving either input halves the daily value.
No. Less commuting may improve wellbeing and focus, while less office presence may affect visibility and collaboration. Those are real but outside this money-and-time model.
Results are estimates only and do not constitute professional advice.