Running & Cycling · The rankings
Best headphones for marathon running: battery, weather and the rule book
Twenty-six miles is a different brief from a 5K. You need more battery than your finish time, a rating that survives rain and four hours of sweat, and a design your race will actually let you wear.
By Mike M.Updated Researched · every spec sourced
#adReader-supported: we may earn a commission if you buy through our links, at no extra cost to you. It never decides a ranking. How we rank · Disclosure
Top pick

Best for Marathon Running
Shokz OpenRun Pro 2
The bone conduction pick for most people: the neckband stays put through anything, 12 hours of battery, and Shokz's DualPitch driver adds an air-conduction unit for bass the older models can't make.
Shokz list price $179.95 as of November 13, 2026
Also on Amazon — $179.95#ad · Disclosure for the link to Shokz OpenRun Pro 2
Jump to the full write-up or read the whole ranking below.
Quick picks
The rankings at a glance
| # | Product | Best for | Score | Price |
|---|---|---|---|---|
| 1 | ![]() Shokz OpenRun Pro 2 The bone conduction pick for most people: the neckband stays put through anything, 12 hours of battery, and Shokz's DualPitch driver adds an air-conduction unit for bass the older models can't make. | Best overall: 12 hours, no caseBone conduction (neckband) | 9.5 /10 | Check price at ShokzAlso on Amazon — $179.95 |
| 2 | ![]() Shokz OpenRun Air 2 Lighter and better sealed than the Pro 2 (26.4 g, IP67) with 10 hours of battery and Bluetooth 6.0; you trade the Pro 2's bass driver for a frame you can rinse off. | Best in rain: IP67Bone conduction (neckband) | 9.7 /10 | Check price at ShokzAlso on Amazon — $129.95 |
| 3 | ![]() Suunto Wing 2 The cyclist's bone conduction set: IP66, 12 hours plus a 24-hour power bank, LED safety lights that react to your cadence, and head-movement controls so you never take a hand off the bars. | Best for dark startsBone conduction (neckband) | 9.4 /10 | Check price at SuuntoAlso on Amazon — $179.00 |
| 4 | ![]() Shokz OpenFit 2 The open-ear pick for most people: 11 hours per charge, IP55 buds, a physical button plus touch, and Shokz's DualBoost dual-driver sound. The hook fit is the reference the others get compared to. | Best earbud at 11 hoursOpen-ear hook | 9.4 /10 | Check price at ShokzAlso on Amazon — $179.00 |
| 5 | ![]() Cleer ARC 5 IPX7 is the strongest water rating of any ear-hook here, with 12 hours per charge, 60 total, aptX Lossless and LDAC, and an AMOLED touchscreen case. Heavy at 11.5 g, and priced like it. | Longest-lasting hook: IPX7Open-ear hook | 9.6 /10 | $219.99Cleer ARC 5 |
| 6 | ![]() Soundcore AeroFit 2 A four-position adjustable hook, IP55, 10 hours per charge and LDAC, for less than the Shokz OpenFit 2. The adjustable hinge is why it fits more ears than a fixed hook. | Best value for the distanceOpen-ear hook | 9.5 /10 | $79.99AeroFit 2 |
#ad · Prices come live from Amazon, last checked November 13, 2026. Scores are ours, built from published specs and cited independent reviews, with every figure linked to its source. Photos are illustrative stock. Tap a row for the full write-up.

Check the rule book first
This is the step most buying guides skip, and it can cost you a result. Race policies on headphones are not uniform, and they are not all advisory.
The B.A.A.'s published Boston Marathon rules say at 5.2.4 that the B.A.A. “discourages the use of portable music devices and headphones in the Boston Marathon by all participants”, and at 5.2.5 that participants in the Professional Start, Wheelchair Division and Para Athletics Division “are not permitted to wear headphones”. Rule 5.2.6 sets out an accommodation route for participants with a disability under the ADA who need an otherwise forbidden item.
UK races under England Athletics guidance are stricter and more specific. MK Marathon Weekend's published policy is that “the use of bone conductor and Shokz OpenFit headphones is allowed” and that “NO OTHER types of headphones/earphones will be allowed at this event”, with the stated consequence that anyone seen wearing anything else “will be disqualified from the race”.
Battery against your finish time
Do the arithmetic before you shop. The figure you need is not your goal time, it is your goal time plus the walk to the start, plus the corral wait, plus the warm-up, plus a margin for the day going badly. For a four-hour marathoner that is realistically six hours of the headphones being switched on; for a five-hour finisher, seven or more.
Against that: OpenRun Pro 2 and Suunto Wing 2 at 12 hours, OpenFit 2 at 11, Cleer ARC 5 at 12, OpenRun Air 2 and AeroFit 2 at 10. All of them clear it comfortably, which is exactly why we have excluded the shorter options from this page: the 6-hour Shokz OpenMove and the 7-hour Soundcore AeroFit 2 Pro are fine for training and are a bad idea on race day.
One structural advantage of a neckband: there is no charging case, so there is no top-up mid-race and nothing to leave in a bag drop. An earbud's headline total, 48 hours with the case for the OpenFit 2, is irrelevant on a course. Read the per-charge number only.
The table
| Evidence | Shokz OpenRun Pro 2 | Shokz OpenRun Air 2 | Suunto Wing 2 |
|---|---|---|---|
| Fit system | Bone conduction (neckband) | Bone conduction (neckband) | Bone conduction (neckband) |
| Battery | 12 hours listening | 10 hours listening | 12 hours; up to 24 more from the included power bank |
| Water & sweat rating | IP55 (dust, sweat and water resistant) | IP67 (dust-tight, temporary immersion); Shokz: not for swimming | IP66 |
| Weight | 30.3 g standard / 30 g mini | 26.4 g standard / 25.9 g mini | 35 g / 1.23 oz |
| Quick charge | 5 min = 2.5 hours | 5 min = 2 hours | — |
| Wind handling | — | — | Anti-wind noise to 30 km/h |
| Score | 9.5/10 | 9.7/10 | 9.4/10 |
| Evidence | Shokz OpenFit 2 | Cleer ARC 5 | Soundcore AeroFit 2 |
|---|---|---|---|
| Fit system | Open-ear hook | Open-ear hook | Open-ear hook |
| Battery | 11 hours; 48 hours with case | Up to 12 hours; 60 hours with case | 10 hours; 42 hours with case |
| Water & sweat rating | Earbuds IP55; charging case not waterproof | IPX7 | IP55 |
| Weight | 9.4 g per earbud; case 53 g | 11.5 g per earbud; 117 g with case | 10 g per earbud |
| Controls | Physical buttons and touch controls | — | Touch control |
| Score | 9.4/10 | 9.6/10 | 9.5/10 |
Rain, sweat and four hours
A marathon is the longest continuous soaking most headphones ever get, and the IP ratings in this category are not uniform. IP55, which covers the OpenRun Pro 2, the OpenFit 2 and the AeroFit 2, means protection against water jets and is fine for sweat and for rain you run through. IP66 on the Suunto Wing 2 is heavier spray. IP67 on the OpenRun Air 2 and IPX7 on the Cleer ARC 5 mean temporary immersion, which is the margin you want if the forecast is bad and you will be out there for five hours.
The practical rule: if rain is likely, pick from the IP67 and IPX7 rows. If it is a dry autumn morning, the IP55 sets are not the weak link. What none of them are rated for is being left wet in a kit bag afterwards, so dry the contacts before charging. The rating system is explained at earbud IP ratings explained.
What 26.2 miles does to a fit
Things that are unnoticeable at 5K become the only thing you can think about at mile 20. Three of them:
Weight and pressure points. The Suunto Wing 2 is 35 g, the OpenRun Pro 2 is 30.3 g and the OpenRun Air 2 is 26.4 g. On a band, that load sits behind your ears for four hours. Lighter is genuinely better here in a way it is not on a treadmill.
Sunglasses and a cap. A band, glasses arms and a hat all want the same space. Put the headphones on last, and practice the combination on a long run rather than discovering it in the corral.
Sweat on the controls. Every pick here except the AeroFit 2 and the Cleer has physical or pressure buttons. A touch panel with four hours of salt on it does things you did not ask for, and at mile 22 you will not have the patience.
The awareness case is the same one we make everywhere on this site, and at a marathon it is at its strongest: aid stations, lapped runners, vehicles on a rolling closure, a marshal shouting a direction. The full argument is at can you hear traffic with open-ear headphones?
In detail
The picks, in full
Rank 1

Best overall: 12 hours, no case
Shokz OpenRun Pro 2
The bone conduction pick for most people: the neckband stays put through anything, 12 hours of battery, and Shokz's DualPitch driver adds an air-conduction unit for bass the older models can't make.
Spec sheetResearched · sources linked
| Fit system | Bone conduction (neckband). Ear canal stays open: you hear the room and traffic. |
|---|---|
| Water & sweat rating | IP55 (dust, sweat and water resistant) |
| Weight | 30.3 g standard / 30 g mini |
| Battery | 12 hours listening |
| Quick charge | 5 min = 2.5 hours |
| Charging | USB-C, 1 hour to full |
| Bluetooth | 5.3, 33 ft range |
| Multipoint | Yes |
| Microphones | Dual AI noise-canceling, wind-resistant to 25 km/h |
| Controls | Physical buttons |
| Driver / tech | 10th-gen bone conduction (DualPitch: bone + air conduction unit) |
| Sizes | Standard (over 9.25 in head circumference) and Mini |
| Launched | August 2024 |
How the 9.5 score is built
- Fit security (25%)
- 10
- Sweat & water resistance (20%)
- 8
- Awareness (open canal) (15%)
- 10
- Sound & leakage (15%)
- 6
- Calls & wind (10%)
- 8
- Battery & charging (10%)
- 9
- Value (5%)
- 6
Criterion marks are on the rubric's own 0–10 scale, which is why they read lower than the published score. The published score maps the weighted rubric total onto the site's 8.4–9.8 recommendation scale — one formula, every product, order unchanged. Full method at How We Rank.
What the spec sheet supports
- Titanium neckband plus ear hooks: nothing to fall out of an ear canal
- 12 hours per charge and a real quick charge, on USB-C instead of a proprietary cable
- DualPitch adds an air-conduction driver, so bass exists where older bone conduction sets had none
- Wind-resistant dual mics rated to 25 km/h for calls on the move
Trade-offs worth knowing
- IP55, not IP67 like the cheaper OpenRun and OpenRun Air 2: fine for sweat, not for rinsing under a tap
- Bone conduction still leaks at high volume in a quiet room
- The most expensive of the three OpenRun models
Good to know
Not the one for you if you want to rinse the headphones under a tap after a soaked run (get the IP67 OpenRun Air 2) or you train mostly indoors where a sealed earbud's bass would matter more than an open ear.
Shokz list price $179.95 as of November 13, 2026
Also on Amazon — $179.95#ad · Disclosure for the link to Shokz OpenRun Pro 2
Rank 2

Best in rain: IP67
Shokz OpenRun Air 2
Lighter and better sealed than the Pro 2 (26.4 g, IP67) with 10 hours of battery and Bluetooth 6.0; you trade the Pro 2's bass driver for a frame you can rinse off.
Spec sheetResearched · sources linked
| Fit system | Bone conduction (neckband). Ear canal stays open: you hear the room and traffic. |
|---|---|
| Water & sweat rating | IP67 (dust-tight, temporary immersion); Shokz: not for swimming |
| Weight | 26.4 g standard / 25.9 g mini |
| Battery | 10 hours listening |
| Quick charge | 5 min = 2 hours |
| Charging | USB-C, 1 hour to full |
| Bluetooth | 6.0 |
| Multipoint | Yes |
| Microphones | Dual AI noise-canceling, wind-resistant |
| Controls | Physical buttons |
| Driver / tech | 8.5-gen bone conduction (PremiumPitch 3.0) |
| Launched | August 2026 |
How the 9.7 score is built
- Fit security (25%)
- 10
- Sweat & water resistance (20%)
- 10
- Awareness (open canal) (15%)
- 10
- Sound & leakage (15%)
- 5
- Calls & wind (10%)
- 8
- Battery & charging (10%)
- 8
- Value (5%)
- 7
Criterion marks are on the rubric's own 0–10 scale, which is why they read lower than the published score. The published score maps the weighted rubric total onto the site's 8.4–9.8 recommendation scale — one formula, every product, order unchanged. Full method at How We Rank.
What the spec sheet supports
- IP67 means sweat, rain and a rinse under the tap are all inside the rating
- Lightest current Shokz neckband; Shokz says the frame is 9% smaller than the OpenRun's
- USB-C charging and a 5-minute quick charge
- Bluetooth 6.0 with multipoint
Trade-offs worth knowing
- No DualPitch air-conduction unit, so bass is thinner than the Pro 2
- Two hours less battery than the Pro 2
- Bone conduction leakage and cheekbone buzz at high volume, like every neckband here
Good to know
Not the one for you if sound quality is the reason you'd spend more (the Pro 2's DualPitch is audibly fuller) or you need the Pro 2's 12-hour battery for ultra-distance days.
Shokz list price $129.95 as of November 13, 2026
Also on Amazon — $129.95#ad · Disclosure for the link to Shokz OpenRun Air 2
Rank 3

Best for dark starts
Suunto Wing 2
The cyclist's bone conduction set: IP66, 12 hours plus a 24-hour power bank, LED safety lights that react to your cadence, and head-movement controls so you never take a hand off the bars.
Spec sheetResearched · sources linked
| Fit system | Bone conduction (neckband). Ear canal stays open: you hear the room and traffic. |
|---|---|
| Water & sweat rating | IP66 |
| Weight | 35 g / 1.23 oz |
| Battery | 12 hours; up to 24 more from the included power bank |
| Charging | Headphones 1 h or less; power bank 1.5 h or less |
| Bluetooth | 5.3, over 10 m; SBC codec |
| Wind handling | Anti-wind noise to 30 km/h |
| Controls | Head-movement control plus buttons |
| Extras | Reactive LED lights; titanium build; -20 to 60 C operating range; Suunto app |
How the 9.4 score is built
- Fit security (25%)
- 9
- Sweat & water resistance (20%)
- 9
- Awareness (open canal) (15%)
- 10
- Sound & leakage (15%)
- 5
- Calls & wind (10%)
- 8
- Battery & charging (10%)
- 9
- Value (5%)
- 6
Criterion marks are on the rubric's own 0–10 scale, which is why they read lower than the published score. The published score maps the weighted rubric total onto the site's 8.4–9.8 recommendation scale — one formula, every product, order unchanged. Full method at How We Rank.
What the spec sheet supports
- LED lights that pulse with cadence, a genuine visibility feature for road cyclists
- Head-movement controls: nod to answer, shake to decline
- 36 hours total with the power bank clipped on
Trade-offs worth knowing
- 35 g, heavier than every Shokz neckband
- IP66, not IP67: heavy spray yes, immersion no
- SBC only; SoundGuys noted excessive vibration at high volume on the original Wing
Good to know
Not the one for you if you don't ride or run in the dark; the lights and head gestures are the reason to pay for this over an OpenRun.
Rank 4

Best earbud at 11 hours
Shokz OpenFit 2
The open-ear pick for most people: 11 hours per charge, IP55 buds, a physical button plus touch, and Shokz's DualBoost dual-driver sound. The hook fit is the reference the others get compared to.
Spec sheetResearched · sources linked
| Fit system | Open-ear hook. Ear canal stays open: you hear the room and traffic. |
|---|---|
| Water & sweat rating | Earbuds IP55; charging case not waterproof |
| Weight | 9.4 g per earbud; case 53 g |
| Battery | 11 hours; 48 hours with case |
| Quick charge | 10 min = 2 hours |
| Charging | USB-C case; earbuds 1 hour, case 100 min |
| Bluetooth | 5.4 |
| Multipoint | Yes |
| Microphones | Dual AI noise-canceling |
| Controls | Physical buttons and touch controls |
| Driver / tech | DualBoost dual drivers + DirectPitch |
| Launched | January 2025 |
How the 9.4 score is built
- Fit security (25%)
- 9
- Sweat & water resistance (20%)
- 8
- Awareness (open canal) (15%)
- 9
- Sound & leakage (15%)
- 8
- Calls & wind (10%)
- 7
- Battery & charging (10%)
- 9
- Value (5%)
- 6
Criterion marks are on the rubric's own 0–10 scale, which is why they read lower than the published score. The published score maps the weighted rubric total onto the site's 8.4–9.8 recommendation scale — one formula, every product, order unchanged. Full method at How We Rank.
What the spec sheet supports
- 11 hours per charge is the longest of the mainstream ear-hooks
- A real button, so a sweaty finger doesn't misfire a touch control
- Dual drivers give it more low end than single-driver open-ears
- IP55 earbuds handle sweat and rain
Trade-offs worth knowing
- The case is not water resistant at all; don't drop it in a wet gym bag
- 9.4 g per side is heavier than the OpenFit Air 2 (7.2 g) or Shokz's clip-ons
- Open-ear leakage: people next to you on a quiet bus will hear it
Good to know
Not the one for you if you have small ears or glasses that fight a thick hook; the 7.2 g OpenFit Air 2 or a clip-on sits lighter.
Shokz list price $179.95 as of November 13, 2026
Also on Amazon — $179.00#ad · Disclosure for the link to Shokz OpenFit 2
Rank 5

Longest-lasting hook: IPX7
Cleer ARC 5
IPX7 is the strongest water rating of any ear-hook here, with 12 hours per charge, 60 total, aptX Lossless and LDAC, and an AMOLED touchscreen case. Heavy at 11.5 g, and priced like it.
Spec sheetResearched · sources linked
| Fit system | Open-ear hook. Ear canal stays open: you hear the room and traffic. |
|---|---|
| Water & sweat rating | IPX7 |
| Weight | 11.5 g per earbud; 117 g with case |
| Battery | Up to 12 hours; 60 hours with case |
| Quick charge | 10 min = 4 hours |
| Charging | USB-C smart touchscreen case |
| Bluetooth | 5.4 |
| Multipoint | Yes |
| Microphones | 2-mic Qualcomm cVc |
| Codecs | aptX Adaptive, aptX Lossless, LC3, SBC, AAC, LDAC |
| Driver / tech | 16.2 mm driver; Dolby Atmos and THX Spatial Audio |
How the 9.6 score is built
- Fit security (25%)
- 8
- Sweat & water resistance (20%)
- 10
- Awareness (open canal) (15%)
- 9
- Sound & leakage (15%)
- 9
- Calls & wind (10%)
- 7
- Battery & charging (10%)
- 10
- Value (5%)
- 4
Criterion marks are on the rubric's own 0–10 scale, which is why they read lower than the published score. The published score maps the weighted rubric total onto the site's 8.4–9.8 recommendation scale — one formula, every product, order unchanged. Full method at How We Rank.
What the spec sheet supports
- IPX7: immersion-rated, so a downpour or a dunk is inside the spec
- 12 hours per charge and 60 with the case, the most of any hook here
- Every high-bitrate codec that matters
Trade-offs worth knowing
- 11.5 g per earbud; the case is a 117 g brick
- No dust rating (the X)
- The AMOLED case is a gimmick you pay for
Good to know
Not the one for you if you want light; the Shokz OpenFit Air 2 is 7.2 g and IP55 is enough for sweat.
#ad · Price as of November 13, 2026 · Disclosure for the link to Cleer ARC 5
Rank 6

Best value for the distance
Soundcore AeroFit 2
A four-position adjustable hook, IP55, 10 hours per charge and LDAC, for less than the Shokz OpenFit 2. The adjustable hinge is why it fits more ears than a fixed hook.
Spec sheetResearched · sources linked
| Fit system | Open-ear hook. Ear canal stays open: you hear the room and traffic. |
|---|---|
| Water & sweat rating | IP55 |
| Weight | 10 g per earbud |
| Battery | 10 hours; 42 hours with case |
| Quick charge | 10 min = 4 hours |
| Charging | USB-C; case supports wireless charging |
| Bluetooth | 5.4 |
| Multipoint | Yes |
| Microphones | 4 mics with AI noise reduction |
| Controls | Touch control |
| Codecs | LDAC Hi-Res (Android only) |
| Driver / tech | 20 x 11.5 mm drivers |
| Extras | Four-level adjustable ear hook |
How the 9.5 score is built
- Fit security (25%)
- 9
- Sweat & water resistance (20%)
- 8
- Awareness (open canal) (15%)
- 9
- Sound & leakage (15%)
- 8
- Calls & wind (10%)
- 7
- Battery & charging (10%)
- 9
- Value (5%)
- 8
Criterion marks are on the rubric's own 0–10 scale, which is why they read lower than the published score. The published score maps the weighted rubric total onto the site's 8.4–9.8 recommendation scale — one formula, every product, order unchanged. Full method at How We Rank.
What the spec sheet supports
- Four hook positions: the fix for ears a fixed hook never quite fits
- 10 hours and a 10-minute charge worth 4 hours
- LDAC and large drivers for open-ear sound with some bass
- Wireless-charging case
Trade-offs worth knowing
- 10 g per side; heavier than the Shokz OpenFit Air 2
- Touch controls, not buttons
- IP55 earbuds; Soundcore doesn't rate the case
Good to know
Not the one for you if you want a button you can hit mid-set; the Shokz OpenFit 2's physical button is more reliable when wet.
#ad · Price as of November 13, 2026 · Disclosure for the link to Soundcore AeroFit 2
Buyer's guide: race-day headphones
Charge the night before, not the morning of
A 5-minute top-up gives the OpenRun Pro 2 2.5 hours, which is a rescue, not a plan. Full charge, then airplane mode off, then into the bag.
Nothing new on race day
The oldest rule in the sport applies to headphones too. Run at least one long training run in the exact combination of headphones, hat and glasses you will race in.
Buy a band if you are racing in a crowd
Start corrals and narrow turns mean contact. A neckband cannot be knocked off. An earbud can, and you will not stop to look for it.
Consider running the first half without them
Plenty of experienced marathoners save the music for the back half, when it does more. That halves your battery requirement and makes the early miles easier to pace by feel and by the runners around you.
In one line
Our recommendation
Top pick
Shokz OpenRun Pro 2
The bone conduction pick for most people: the neckband stays put through anything, 12 hours of battery, and Shokz's DualPitch driver adds an air-conduction unit for bass the older models can't make.
Good to know: not the one for you if you want to rinse the headphones under a tap after a soaked run (get the IP67 OpenRun Air 2) or you train mostly indoors where a sealed earbud's bass would matter more than an open ear.
Shokz list price $179.95 as of November 13, 2026
Also on Amazon — $179.95#ad · Disclosure for the link to Shokz OpenRun Pro 2
Runner-up
Shokz OpenRun Air 2
Lighter and better sealed than the Pro 2 (26.4 g, IP67) with 10 hours of battery and Bluetooth 6.0; you trade the Pro 2's bass driver for a frame you can rinse off.
Good to know: not the one for you if sound quality is the reason you'd spend more (the Pro 2's DualPitch is audibly fuller) or you need the Pro 2's 12-hour battery for ultra-distance days.
Shokz list price $129.95 as of November 13, 2026
Also on Amazon — $129.95#ad · Disclosure for the link to Shokz OpenRun Air 2
How we scored this
The research behind every pick
Each pair on this page is researched and compared the same way: we classify the retention system that holds it on (hook, clip, wing, neckband), read the maker's published IP rating, weight, battery, charging, mic and control type straight off its own product page and manual, check the sweat and water rating against the IEC 60529 standard, cross-reference independent published reviews, and score every pick on a public rubric. Every figure links to the document it came from, so you can check any number in one click.
Prices come live from Amazon, so what you see is what you pay today. Commissions never set a score or decide a pick. The rubric and its weights are published.
Corrections & updates
- First edition.
Questions
Frequently asked
Are headphones allowed in a marathon?
How much battery do I need for a marathon?
Are bone conduction headphones good for marathons?
What happens if it rains during the race?
Keep reading
Related on Openear Club
- Best earbuds for runningThe main running ranking, all distances.
- Best bone conduction headphones for runningThe design most races permit.
- Safest headphones for runningThe awareness argument in full.
- Can you hear traffic with open-ear headphones?What an open canal actually buys you.
- Earbud IP ratings explainedChoosing a rating for the forecast.
Receipts
Sources
- B.A.A. — Boston Marathon Rules and Policies, August 21 2024 (rules 5.2.4 to 5.2.6) (checked 2026-09-26)
- MK Marathon Weekend — Headphones Policy (checked 2026-09-26)
- Shokz — official product comparison table (checked 2026-09-21)
- Shokz — OpenRun Pro 2 product page (checked 2026-09-21)
- Suunto — Wing 2 product page, technical specifications (checked 2026-09-21)
- Cleer Audio — ARC 5 product page, specifications (checked 2026-09-21)
- Soundcore — AeroFit 2 product page (checked 2026-09-21)
Every spec here is traceable: figures come from the maker's own product pages and are linked on each product, independent findings are attributed to whoever published them, and prices come live from Amazon so the number you see is the number you pay today. Read the full method.