RealCostTools puts the hidden costs on the worksheet

Field notes

The homepage organizes the project around four household decisions: repair versus replacement, rent affordability and move-in cash, appliance electricity, and commute or hybrid-work costs. Its stated method is to combine recurring expenses, upfront costs, assumptions, and—in the commute tool—time and vehicle wear. The site says scenarios can be saved locally without an account, while formulas, sources, and labeled benchmarks are intended to remain inspectable.