◢ TAX 01
Slower delivery
Every new feature needs reconnaissance, cautious PRs, and regression tests in things that should not break from being touched. Velocity drops 20–40% after year 3 of uninvested code.
typical cost +35% time-to-market
Free · no signup · result in 60 seconds
How much is technical debt costing you?
Move 8 sliders. We'll show the monthly and yearly loss in PLN, the risk level, and where to start paying it down. No email, no sales call, no PDF in exchange for your data.
calculator / version 2.1
result updates live Developer team size 8 devs
Developers only — no QA, PMs or designers.
Average developer rate (PLN / hour) 180 PLN/h
Gross, fully loaded (salary + taxes + benefits).
Codebase age (main repo)
Years since the first production commit.
Automated test coverage 35%
Real coverage — not just what the badge shows.
Deployment frequency
How often code lands in production.
% of team time on bug-fixing & firefighting
Rolling average for the last 3 months.
Team churn (annual) 15%
How many leave each year and need replacing.
Symptoms you see (tick all that apply) 2
Each symptom raises the cost estimate.
Want a concrete pay-down plan? In 2 weeks we audit the codebase and give you top-10 actions with ROI.
Book the REFACTOR audit →Three places where technical debt spends your money.
Not "kinda, somehow, pricier." Concrete P&L line items you can name on the board.
◢ TAX 02
Constant production fires
A "critical" ticket every two weeks. On-call, night shifts, rollbacks. Seniors put out old fires instead of building new features. The team burns out faster than you can hire.
typical cost 20–50% of team capacity
◢ TAX 03
Higher churn, costlier onboarding
Nobody wants to work on 8-year-old code with no tests. A new hire needs 4 months before landing a solo PR. Everyone who leaves takes knowledge that lived nowhere else.
typical cost +1 FTE per 10 people
Method, not magic.
The model is built on 200+ projects we took from audit through refactor to stabilisation. We show you exactly what multiplies what.
Base hourly cost
Rate × headcount × 168 working hours/month. That's your team's 100% budget.
Age multiplier
Code ages non-linearly. We add 6–40% to maintenance cost depending on the main codebase's age.
Quality circuit-breakers
Test coverage, deploy frequency, symptoms — each input pushes the waste multiplier up or down.
Annual projection
On top of the monthly cost we add 8% annual capitalisation — unserved debt grows, it doesn't sit still.
Technical debt without the bullshit.
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No — it's an estimation model with ±30% accuracy. For a CEO, CTO or VP Eng it's still radically better than "we feel it's expensive." The REFACTOR audit gets the error band down to ±8% after repo review and team interviews.
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No. Everything happens in the browser. Nothing reaches our servers, nothing lands in a CRM. The PDF export is also generated locally. The only thing we persist are your slider settings — in your own localStorage — so a refresh doesn't reset your inputs.
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We don't. 8-year-old code with tests, solid docs and up-to-date dependencies is an asset, not a debt. Age is only one of 8 inputs — test coverage and deploy frequency weight it more heavily.
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Coverage is a syntactic metric, not a quality one. If 70% of your tests are mocks of mocks, or if tests are flaky, the score drops regardless of the green badge. Tick the right symptoms and the model will account for it.
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Always two things in parallel: (1) build CI/CD and smoke tests so things stop breaking on every merge; (2) pick the most-changed module and refactor only that one. Never start with a big-bang rewrite — it's killed more companies than the debt itself.
Measure the other risks.
Team cost calculator
Fully-loaded team cost: salaries, benefits, tooling, office. Annual burn in 60 seconds.
Website performance ROI
Core Web Vitals + Lighthouse + CrUX. Priority list instead of just metrics.
Time to market
Estimate how much each week of delay costs in lost revenue and competitive exposure.
Project pricing estimator
Scope, stack, timeline — a ballpark budget for a new project in 90 seconds.
Need to fix this?
free tools / v2.1 The calculator is free. Paying down the debt is REFACTOR's job.
2 weeks of audit + 90 days of implementation. Fixed price, defined KPIs, money-back if we don't hit the agreed metrics.