Should you buy it?

VETO is a free purchase decision calculator designed to help you think before you spend. It evaluates affordability, value, timing and cost per use so you can make a more informed purchase decision.

Instead of asking only whether you can afford something, VETO helps you consider whether buying it makes sense for your current financial situation and how much value you are likely to get from the purchase.

A purchase decision calculator for smarter spending

Enter the details of a purchase and VETO evaluates the decision using your income, expenses, expected usage and ownership period. The result provides a simple BUY, WAIT or DON'T BUY outcome.

Think before you spend

VETO is a decision-making tool, not a financial advisor. Your purchase information is processed directly in your browser, and no account is required.