What a "monthly" quote really costs

Sellers quote in the unit that flatters them. This converts any quote to the same 30.4375-day true month and a real annual total — the unit every table on this site uses. A 4-week cycle bills 13.04 times a year; that alone adds about 8.7% to the sticker.

Example: $299 billed every 4 weeks = $325.03 per true month, $3,900.32 a year. Worked math and the five hidden costs live in the national guide.