Opportunity Cost, Calculated
See exactly what you forgo when you spend. After every evaluation, iDecide shows you the estimated annual return on that capital — so you know what "yes" actually costs.
Debt or Invest? Answered.
Our Debt vs. Investment tool applies one rule: a guaranteed return always beats a risky one of equal size. Enter your debt rate and expected return — we'll tell you which move wins.
Try the toolDecisions That Compound
Every evaluation is saved to your Decision Vault. Revisit in 90 days to see if that purchase still looks right — or if you're glad you passed.
Your Money Has One Job: Go Where It Works Hardest
Every pound you spend is a pound that can't pay down debt, earn a return, or stay liquid for when you need it. iDecide runs the numbers on the next best use of your money — so your decision is informed, not instinctive.
Built on the principle of marginal thinking: before you commit, ask whether the next pound is better used here or somewhere else. We help you answer that honestly.
8
Factors EvaluatedFree
Always"A guaranteed return always beats a risky return of equal size. That's the rule. We built a tool around it."
The Golden Rule of Financial Decision-Making
What's This Purchase Really Costing You?
Answer eight honest questions. Get a decision score, an opportunity cost breakdown, and a clear recommendation.
