Your ZIP area
-- / 100
--
Uses Census ZIP-area income and rent when available, plus the best regional public benchmarks for other essentials.
Median income--
Essentials burden--
Monthly remaining--
What is your income actually worth?
See how much of your household income is consumed by essential costs — and track whether affordability improves or gets worse over time. No account required.
Personal affordability
-- / 100
Enter your income and calculate
Your score shows how affordable essential household costs are relative to your income.
Essentials burden--
Monthly remaining--
Estimate confidence--
Your state
-- / 100
--
Uses state median household income and public cost benchmarks.
Median income--
Essentials burden--
Monthly remaining--
United States
-- / 100
--
Uses U.S. median household income and national public cost benchmarks.
Median income--
Essentials burden--
Monthly remaining--
How does your pay compare?
--
Your annual income--
State median--
U.S. median--
Comfortable income here--
What you have left--
after estimated essentials each month
Biggest pressure--
--
Next affordability step--
--
Income for Comfortable--
Estimated annual household income needed to reach 65/100 under your current cost assumptions.
Where your money is going
How to read the score
The score runs from 0 to 100. Higher is more affordable. It falls as a larger share of estimated after-tax income is consumed by essential living costs. Taxes reduce available income first; they are not counted as an essential expense.
90–100 Highly affordable
80–89.9 Very comfortable
65–79.9 Comfortable
50–64.9 Moderate
35–49.9 Strained
20–34.9 Severely strained
0–19.9 Critical
Know a local price that's wrong?
Submit what you actually see locally. Community prices never replace the official benchmark from a single report.