One off programs can be horrifically expensive. Or they can be cheap as chips. We have written programs for as little as $200, and as much as $150,000.
No computer program is worth a brass razoo if it doesn't save you money. But if it saves you more than it costs then, whatever the price, it is a bargain.
How do you know if it is worthwhile? You don't know because you don't know what the program will cost. I don't know because I don't know what you will save. But if we get together we can work out if it is worthwhile pursuing.
And it costs nothing to find out.
There is no reason for any individual to have a computer in his home.