Best on broad direction
The site is strongest when you want to see which way the decision currently leans and what could change it.
Assumptions
What each tool covers, what it leaves out, and when you should verify more.
WorthItCheck is strongest when you need a practical direction quickly. This page shows the main assumptions behind each live tool so close calls do not feel more certain than they really are.
Tool-by-tool scope
What is included
What is left out
Verification notes
Use this page well
Three quick rules before you trust any result too heavily
WorthItCheck is designed to help you choose a direction fast. It is not designed to replace live prices, contract checks, or specialist advice.
Live tools
Tool-by-tool scope notes
Each card below explains what the current tool is trying to answer, the main assumptions behind it, and the first thing to verify when the stakes are higher.
Repair or Replace
Best for deciding whether a current item deserves another spend. Strongest when you have a realistic repair quote and replacement estimate.
- Includes: repair cost, age, condition, lifespan context, personal weighting, plus optional repair severity, repeat-fault pattern, and warranty or coverage help.
- Leaves out: hidden faults, exact parts availability, live local labour pricing, and the quality of the actual repairer.
- Verify next: whether the quoted repair is final, whether the fault is truly isolated, and whether any warranty or cover changes your real out-of-pocket risk.
Buy or Wait
Best for timing decisions where urgency and an obvious sale or launch window both matter.
- Includes: urgency, current condition, nearby sale windows, and feature pull.
- Leaves out: live retailer pricing, stock shortages, and exact release dates.
- Verify next: whether the near-term sale or launch is real enough to justify waiting.
Should I Upgrade?
Best for deciding whether age, friction, and new-feature appeal are strong enough to justify moving on.
- Includes: age, performance friction, battery or device issues, and excitement about new features.
- Leaves out: resale timing, software support deadlines, and repair economics.
- Verify next: whether the pain is ongoing enough to matter weekly rather than just occasionally.
Rent vs Buy
Best for a stronger UK-style direction on flexibility versus buying friction over a known horizon.
- Includes: rent, home price, recurring owner extras, timeline, stability, and optional advanced assumptions for deposit, mortgage rate, term, fees, upkeep, rent growth, home-value change, and cash-return drag.
- Leaves out: lender affordability checks, precise stamp-duty/legal detail, tax advice, and property-specific local market risk.
- Verify next: your real mortgage quote, transaction costs, service charges, and realistic move-out timing before acting on a close verdict.
Lease or Buy Car
Best for a stronger UK-style direction when you are comparing flexibility with longer-term ownership value.
- Includes: years, mileage, ownership preference, payment pressure, and optional advanced assumptions for lease quote, lease cap, APR, deposit, expected end value, insurance, tax, and servicing.
- Leaves out: every dealer incentive, all end-of-contract clauses, exact insurance differences between lease and buy, and model-specific reliability risk.
- Verify next: your real lease quote, finance quote, mileage cap, likely resale value, and any contract charges before acting on a close verdict.
New or Used Car
Best for a stronger UK-style direction on lower upfront cost versus warranty confidence, used-car risk, and real ownership cost over three and five years.
- Includes: annual mileage, ownership period, repair comfort, condition risk appetite, and an estimated 3-year and 5-year ownership view covering depreciation, finance drag, insurance, tax, and maintenance.
- Leaves out: model-specific reliability history, exact dealer incentives, fuel costs, tyre wear, and the condition of the exact used car until you inspect it properly.
- Verify next: actual service history, inspection results, insurance group, finance offer, and realistic resale value for each specific car you are comparing.
Trade In or Keep Your Phone
Best for a stronger UK-style direction on whether the cleanest move is to keep using the phone, trade it in, sell it privately, or use a recycler-style cash-out route.
- Includes: current trade-in value, likely private-sale upside, recycler fallback value, battery health, condition, feature pull, and the amount of sale value likely to leak if you keep the phone longer.
- Leaves out: exact marketplace demand, retailer-specific bonus promotions, fraud or postage risk on private sales, and live brand-launch timing unless you enter those assumptions yourself.
- Verify next: your real trade-in quote, realistic private-sale number, recycler fallback, and whether a cheap battery fix would comfortably extend the phone's life before acting on a close verdict.
FAQ
Common questions about the assumptions page
Why have a separate assumptions page at all?
Because short tools can feel more precise than they really are. This page gives the scope notes users need before treating a close verdict as final.
Does this mean the tools are weak?
No. It means they are intentionally practical first. WorthItCheck is designed for fast decision direction, not full financial modelling or contract review.
When should I verify more?
Verify more when the decision is expensive, the verdict is close, a contract is involved, or one exact number could change the answer.