United States Cost of Living Calculator

Add up monthly living costs in United States and see the surplus, savings rate and housing share of your income.

About United States Cost of Living Calculator

Summing the five major categories gives a monthly run rate, and subtracting it from net income gives what is genuinely left to save. The housing share is shown separately because the widely used affordability guideline caps it at about 30 per cent of net pay. Typical figures for United States. Comparing two cities on rent alone is misleading — transport, utilities and tax move in different directions and only the total tells you which leaves you better off.

Formula

United States Cost of Living

Total = rent + food + transport + utilities + other; surplus = net income − total

net income: Take-home pay after tax
housing share: Rent divided by net income, the standard affordability test

Worked example

With the default values below, United States Cost of Living Calculator returns Total Monthly Cost of Living of $3,010.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Rent or mortgage per monthminimum 0 USD: 1,225 USD
Food and groceries per monthminimum 0 USD: 630 USD
Transport per monthminimum 0 USD: 280 USD
Utilities and connectivity per monthminimum 0 USD: 350 USD
Everything else per monthminimum 0 USD: 525 USD
Monthly net incomeminimum 0 USD: 4,375 USD

Results

Total Monthly Cost of Living: $3,010.00
Annual Cost of Living: $36,120.00
Monthly Surplus or Shortfall: $1,365.00
Savings Rate: 31.20%
Housing as Share of Income: 28.0%

Step by step

1Values used
2United States Cost of Living
3Total Monthly Cost of Living= 3,010.00
4Annual Cost of Living= 36,120.00
5Monthly Surplus or Shortfall= 1,365.00
6Savings Rate= 31.20
7Housing as Share of Income= 28.0

Assumptions and limits

The result is derived only from the 6 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

How is United States Cost of Living calculated?

Total = rent + food + transport + utilities + other; surplus = net income − total Summing the five major categories gives a monthly run rate, and subtracting it from net income gives what is genuinely left to save. The housing share is shown separately because the widely used affordability guideline caps it at about 30 per cent of net pay.

Why does United States Cost of Living matter?

Typical figures for United States. Comparing two cities on rent alone is misleading — transport, utilities and tax move in different directions and only the total tells you which leaves you better off.

What values do I need to enter?

This calculator takes 6 inputs: Rent or mortgage per month, Food and groceries per month, Transport per month, Utilities and connectivity per month, Everything else per month, Monthly net income. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.

United States specifics

Currency: $ USDUS Dollar
Region: North America
Country code: US
Amounts look like: $1,234,567.89
Dates look like: Mar 9, 2026
Units: imperialWeek starts Sunday

In United States, imperial units are in everyday use.

Results on this page are expressed in USD (US Dollar). Figures are estimates for general planning — confirm current rates and thresholds with the relevant United States authority before relying on them.

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