Free Calculator
What does working from home actually cost?
Working from home is "free" — until you add coffee shops, higher utilities, equipment, and lost productivity. Plug in your numbers below and see the real monthly cost compared to a $375/mo Focus Zone private office.
Your situation
Coffee shop / getting-out-of-the-house
Home utility increase
Heat, AC, electricity from running your home office during work hours. Typical range: $30–$60/mo.
Home office equipment (amortized)
Desk, chair, monitor, lighting. Spread across 3 years.
Lost productivity at home
Studies put home-office output 15–30% lower than focused office time. Set to 0 if home works great for you.
Professional address value (optional)
What's it worth not having your home address on your business cards or LLC filings?
Your monthly cost of working from home
$1,695
- Coffee shops$96
- Utility increase$45
- Equipment (amortized)$42
- Lost productivity$1,512
Focus Zone private office
$375/mo
All-inclusive · month-to-month · 24/7 · free parking · fiber
You'd save
$1,320/mo
$15,836 per year vs. working from home
Or call 617-835-2800
Why this calculation matters
Most people compare "$0 to work from home" against "$375 for a coworking space" and stop there. That comparison is wrong because working from home isn't actually free.
The hidden costs are real: coffee shop spend so you can escape the kitchen table, higher utilities from running heat/AC during work hours, equipment you bought to make home work, and the productivity hit nearly every WFH study finds.
For most professionals — especially solo founders, therapists, financial advisors, attorneys, and consultants — Focus Zone at $375/month is cheaper than home once everything is counted. Plus you get a professional address, conference rooms for client meetings, fiber internet that doesn't compete with family streaming, and a workplace separate from your living space.
The numbers in the calculator are defaults. Adjust them to your situation. If Focus Zone wins, book a tour. If home wins, at least you know the real comparison.