Income & Reality
Why am I broke on $80k?
This calculator shows where your money goes and what is left after housing, debt, and subscriptions. It highlights the biggest money leaks so you can act fast.
Try the calculator
Use your best estimate. The goal is clarity, not perfection.
What this means
If housing or debt eats a large share of your take-home pay, everything else feels tight. This view shows the tradeoffs in a single snapshot.
What to do next
Look for the biggest category and target one change. Example: lower housing costs, refinance debt, or cancel subscriptions that do not add value.
FAQ
What counts as a money leak?
Any category that eats a large share of your income without improving your long-term stability. Housing and debt are the most common leaks.
Should I use gross or take-home pay?
Use take-home if you know it. If not, use gross salary and set a realistic take-home percentage.