More in Funds & Goals
What this calculator does
Free shipping thresholds trick you into buying more. This calculator shows whether paying shipping is actually cheaper than reaching the threshold.
The math
Gap to free shipping = threshold − cart total. Filler scenario cost = cart + filler. Pay-shipping scenario cost = cart + shipping cost.
Worked example
A $45 cart with a $50 threshold and $6.99 shipping costs $51.99 if you pay shipping. A $5 filler makes it $50, but you are still spending $5 you did not plan to spend.
Why this matters
Saving and investing work best when the timeline is concrete. This calculator replaces vague goals with a date, a contribution, or a target you can automate.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Is free shipping always better?
No. If the filler item costs more than shipping, you are paying extra for the illusion of free shipping.
What should I compare?
Compare the total cost of paying shipping with the total cost of adding a filler item.
Does this include taxes?
No. Add tax on your own if your state taxes shipping or filler purchases.