Where your expenses go
Share of your post-paycheck living costs
Model your take-home pay in any U.S. state, F-1 OPT/FICA timeline, 401(k), HSA, investments, monthly and yearly expenses, and projections. Change any number to recalculate instantly.
Save up to 300 combinations of states, salaries, taxes, expenses and investments, then load or compare them.
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Creates independent saved scenarios using your current draft for every other input. Enter comma-separated values without thousands separators; maximum 20 new scenarios per batch.
Leave a field blank to use the current draft's value.
Values are recalculated with each saved scenario's inputs, including its tax year and state.
Cloud saves are stored in Supabase under your signed-in account. Your unsaved draft stays in this browser. The cloud database is not end-to-end encrypted; use scenarios for planning estimates, not account credentials or sensitive account identifiers.
Estimated bank deposit · monthly average
After taxes, HSA, 401(k) and payroll deductions
Calculated as estimated annual federal income tax, not exact withholding from an actual payroll system.
| Investment / saving | Monthly | Annual |
|---|---|---|
| Total investing + saving | — | — |
401(k) and HSA contributions are funded before your bank deposit. Brokerage, IRA, other investments, and emergency savings are monthly allocations after your bank deposit. Employer amounts are extra benefits, not deducted from take-home.
Comparison keeps all your other inputs unchanged but uses each year's HSA cap, tax table and automatic FICA treatment. Selecting a manual FICA override applies that override to both years.
Enter your living costs on the left to see how much remains.
Detailed monthly and yearly spending, saving and investment forecast—updates live from your inputs.
Share of your post-paycheck living costs
401(k), HSA, employer contributions, investing and cash
Every category, its monthly amount, yearly amount and share of its group. All expense inputs above are monthly.
On a phone, swipe the table sideways to see the monthly, yearly and share columns.
| Category | Monthly | Yearly | Share |
|---|
Employer 401(k)/HSA contributions appear in savings but are extra employer money, not part of take-home. Unallocated balance is separate from planned savings, and is not counted as invested.
Projected totals if your monthly expenses and savings stay at the current inputs. Months 1–12 are relative, not calendar months.
Explore hypothetical growth; edit assumptions below. Future take-home estimates are not official tax forecasts.
On a phone, swipe the five-year table sideways to see all columns.
| Tax year | Net pay | Living costs | Total saved* | Unallocated cash | Invested balance |
|---|
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