How the AI Companion Budget Planner Works
Transparent formulas, privacy limits and assumptions behind the in-browser monthly and annual cost estimates.
The calculator uses only your inputs
No service receives a preset price, unit rule, rating or expected usage. You enter the recurring charge, interval, taxes, included units, pack cost, pack size, expected units and personal cap from current pages you can verify.
Recurring amounts become monthly equivalents
Weekly amounts are multiplied by 52 and divided by 12. Quarterly amounts are multiplied by four and divided by 12. Annual amounts are divided by 12. Monthly amounts remain unchanged. The annual display multiplies the expected monthly total by 12 for planning.
Extra cost follows a simple overage model
Expected units minus included units creates estimated overage, never below zero. Overage is divided by units per pack and rounded up because a partial pack may not be purchasable. That pack count is multiplied by pack price. Low and high scenarios vary expected units rather than claiming a prediction.
The result is a plan, not a price claim
Taxes, currencies, promotions, failed attempts and product rules can change. The displayed number is only as reliable as the inputs. Check the final checkout and help pages on the date you decide. This tool does not inspect external services.
Amounts stay in your browser
The static calculator does not submit or save the values you enter. Basic page visits may be measured without the form values. Do not enter payment numbers, account credentials or private chat content; the form needs only ordinary budget figures.
Reproduce or challenge the result
Every formula is described here and implemented in visible browser code. You can verify the monthly equivalent with a separate calculator. If a plan uses a rule this model does not cover, keep that amount on a separate line rather than forcing it into an inaccurate field.
A practical worksheet
Test the method with an invented neutral example before entering a real checkout: a monthly charge, included units, one refill size and an expected use above the allowance. Calculate overage, round packs upward, add fixed cost and multiply the expected month by twelve. Compare your result with the tool. Then change the interval to annual and verify the monthly equivalent. This reproduction exercise shows exactly where rounding and commitment affect the answer and makes it easier to spot when a product uses a rule the model cannot represent.