我认为区别不是很大，划算多用于购买某件物品或服务时，比如，这件衣服很划算，这顿饭很划算。值得，一般是用在做完某些事后去评价吧。比如，这件事很值得去做。我的理解里，划算就是投入后得到的结果会大于投入，也就是收获大于投入。而值得大概就是投入等于收获。 我的理解就是这样，仅供参考啊！

划算 is about money, you think it is 划算 after you calculate.. 值得 can be about something else, such as health, career, relationship and so on...you think something is 值得 after you consider it ...

最简单的区别： 划算，就是没东西没那么贵。比如你很喜欢一样东西，可是它很贵，在过年打折的时候买可以便宜很多，所以很划算。 值得，虽然你买的东西并不便宜，可是你觉得很worth

哈哈~

划算 It is worthwhile doing it.(after bargainging or during Sales ,you get something you want with less outcomes but same qualities.)people seldom use this word to describe goods which dont actually cost that much that precisely,like vegetables or fruits.but people do say,这次购物挺划算(this shopping did worth! but maybe including vetegables and fruits!xdxd) examples 1.You always get value for money at that shop. 在那家商店买东西很划算。 2. It is worthwhile doing it. 做这件事划算。 3. It isn't cost-effective to build cars in such small quantities. 这么小批量地制造汽车不划算。 值得 be worth; merit; deserve 1. Winning the gold medal was a feather in his cap. 夺得金牌是他值得自豪的成就。 2. He didn't really deserve (that) she should be so kind to him. 他确实不值得她对他那么好。 3. I did not esteem him to be worthy of trust. 我认为他不值得信赖。 4. I don't think these neologisms worth passing on to beginners. 我认为这些新词不值得教给初学者。 5. She gave a highly creditable performance as the wicked queen. 她演邪恶的王后演得非常逼真，值得称道。 and more often,people say 太不值（得can be omitted）了 ! to express merit or regret... itdoesn't worth the trouble/effort...