Deal Decoder
Expose shipping, subscriptions, add-ons, renewal exposure, and the discount that survives.
Open tool →Buy Decoded decision platform
The price tag is only the first input.
Use transparent calculators to compare the real transaction, recurring costs, and ownership risks before money changes hands.
Browse side-by-side comparisons →Ten flagship tools
Put your numbers into the decision.
Every output is a planning estimate. Inputs remain in your browser and are not submitted.
Welcome-bonus reality check
Subtract annual fees, unplanned spending, and estimated interest from a card bonus.
Open tool →Annual-fee break-even
Compare usable card benefits and incremental rewards with the annual fee.
Open tool →Balance-transfer payoff check
Test the fee, monthly payment, promotional window, and current-card interest.
Open tool →Compare two card offers
Normalize two credit-card offers using the same spending assumptions.
Open tool →Cash back vs. points
Compare cash and points using a realistic redemption value.
Open tool →POS true-cost calculator
Estimate one offer using processing, software, hardware, and add-ons.
Open tool →Compare two POS quotes
Normalize two written offers using the same card sales, ticket size, contract term, and ownership costs.
Open tool →Air-purifier ownership cost
Compare purchase price with electricity and replacement filters.
Open tool →Mini-split ownership estimator
Normalize equipment and installation quotes with operating assumptions.
Open tool →