Most players find out what a build costs halfway through buying it. This splits the list into what you actually need to start and what you are adding because it looks good on a ladder character, then totals both.
Set the rate from a current economy page. It moves through a league.
Where the money goes
Nothing you type is saved or sent anywhere. It lives in this browser tab only.
Ask what a build costs and you will get one figure. It is almost always the price of the finished version, copied off a ladder character who has been playing since day one and has funded it out of a stash you do not have.
That figure is real, and it is also useless for the decision you are making. What you need to know before committing is not what the build costs when it is done. It is the smallest amount that gets it working, because everything after that can be bought from currency the build itself generates.
The toggle on each row is doing the real work here, so it is worth being precise about it. An item is core if the build does not function without it. Not "performs worse", not "feels bad" — does not function.
The test is mechanical. Remove the item in your head and ask whether the build still does the thing it exists to do. Does the conversion still happen? Does the trigger still trigger? Are you still capped on resistances? If the answer is no, it is core. If the answer is "yes, but slower", it is an upgrade, however much you want it.
Most builds have fewer core items than people expect. Three or four is common. The rest of the list is optimisation, and optimisation can wait until you have a character farming currency instead of spending it.
A calculator is only as good as its inputs, and this one will happily total nonsense if you feed it nonsense. Two things worth checking before typing a number in.
Standard prices and current league prices describe different economies. Standard carries years of accumulated wealth; a fresh league does not. Pricing a league-start build off Standard figures will understate some items and wildly overstate others.
A summarised price backed by four thousand listings is a market rate. The same-looking price backed by eleven is a handful of opinions with a decimal point attached. For anything expensive or unusual, open the trade site and look at what is genuinely available rather than what the summary says.
These are the ones that turn a forty divine estimate into a sixty divine reality. None of them are exotic. They are just easy to leave out because they are not gear.
A level 1 gem from a vendor and a 20/20 version of the same gem are different purchases entirely, and awakened variants are in another bracket again. If your build lists six links, price the gems you will actually run, not the ones you can buy for a chaos.
Nobody budgets for this and everybody pays it. Hitting capped resistances usually means overpaying on rings, belt or boots for an item you would not otherwise want. It is invisible in every build guide and it is often several divines.
Three to five sockets, each wanting something specific, and cluster jewels can cost more than the body armour. They get skipped because they are not a gear slot on the character screen.
If you are converting an existing character rather than levelling fresh, budget the respec. If you are levelling, budget the throwaway gear you buy on the way and never use again.
Going from a build that works to a build that feels good routinely costs more than everything before it combined. That is not a reason to avoid it. It is a reason to keep it out of your entry budget, which is exactly what the core toggle is for.
The bar under the totals shows proportion, not price, and it is usually the most informative thing on the screen. One segment taking half the width tells you the build is really one expensive item plus a supporting cast, which is a different risk profile from a build where twelve items each cost a few divines.
The first case is fragile: if that item's price moves, your plan moves with it. The second is safer but slower, because you cannot shortcut it by getting lucky on one drop. Neither is wrong, but knowing which one you are signing up for is worth the thirty seconds it takes to look.
It totals what you type. It does not know current prices, it cannot see your stash, and it has no opinion about whether a build is good. Every figure comes from you, which means the accuracy of the answer is entirely the accuracy of the inputs.
It also cannot price the thing that ruins most budgets, which is the item you did not know you needed until the build was half assembled. The five costs above cover the predictable version of that problem. The rest is why you leave headroom.
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