Where your expenses go
Share of recurring monthly living costs
—per month
Estimated bank deposit · monthly average
$6,254
After taxes, HSA, 401(k) and payroll deductions
Per paycheck$2,88726 paychecks per year
Annual take-home$75,052Estimated bank deposits
Annual tax total$9,848Federal + state + local + FICA
Per-paycheck breakdown
Biweekly estimateAnnual cash flow
Gross salary → bank accountWhere every gross dollar goes
Annual allocation75.1%Take-home
Federal tax calculation
IRS 2026Progressive tax brackets
Calculated as estimated annual federal income tax, not exact withholding from an actual payroll system.
Tax-advantaged savings
Employee and employerYour 401(k) and HSA payroll contributions are included in the gross-salary allocation, not lost money. Employer amounts are additional benefits, not deducted from pay.
State & local tax estimate
2026 reference tablesState tax is an approximate withholding-style estimate. Use manual override for accuracy.
Investment allocation
Monthly and annual flows · includes retirement/HSA| 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.
2026 vs. 2027 — same inputs
F-1 timeline comparison2026 · expected FICA exemption
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2027 · typically FICA applies
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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.
Monthly budget & leftover
Net monthly income—
Living expenses—
Investments + cash saving—
Unallocated / cushion—
Enter your living costs on the left to see how much remains.
ONE MONTH AT A TIME
Your year, month by month
Life doesn’t cost the same every month. Make space for the extras.
$
Enter money already available after tax. Adjustments apply once in the selected tax year; they don’t change salary taxes or repeat in future years. Recurring expenses come from your monthly spending plan.
Swipe sideways on a small screen to see every column. Cumulative cash starts at $0 and excludes planned investments and cash savings.
| Month | Take-home | Extra money | Living costs | Extra costs | Investing & saving | Remaining | Cumulative cash |
|---|
Projections, charts & categories
Detailed monthly and yearly spending, saving and investment forecast—updates live from your inputs.
Living expenses—— / month
All saving & investing—— / month
After-tax investments & cash—— / month
Unallocated bank balance—— / month
Annual living expenses and remaining cash include one-time adjustments. Monthly amounts show your recurring plan.
Where your savings go
401(k), HSA, employer contributions, investing and cash
—per month
Monthly & yearly by category
Your recurring monthly plan, annualized by category. One-time changes appear in the month-by-month table and annual summary.
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.
12-month cumulative projection
January–December of the selected tax year, including your one-time monthly additions and deductions.
Living expensesAll saving & investingUnallocated cash
5-year savings outlook
Explore hypothetical growth; edit assumptions below. Future take-home estimates are not official tax forecasts.
$
Invested portfolio value (not including cash)
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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How to interpret: Estimated annualized paycheck figures, not a payroll-provider quote or a tax return. Assumes W-2 wage income. State tax uses simplified 2026 tables for all states and D.C.; local taxes must be entered, and 2027 state rates reuse 2026 estimates. State deductions, state tax credits, HSA conformity and state-specific payroll taxes can differ. CA/NJ HSA state tax add-backs are modeled approximately. These are planning estimates, not an official state tax return or payroll quote. HSA contributions via payroll; full-year employment and HSA eligibility; employee traditional 401(k) reduces federal taxable wages but not FICA wages. Employee Roth 401(k) does not reduce taxable wages. 2027 federal brackets and standard deduction are projections as of Nov. 3, 2026, editable in the file's TAX_TABLES constant once official IRS numbers are issued. 2026 values are published IRS figures. Bonus withholding may differ from its eventual tax cost. F-1 automatic FICA switch is only a simplified first-five-calendar-years assumption, and actual tax residency, treaty eligibility, employer treatment and days of presence can change results. HSA limits require qualifying coverage and may need proration for partial-year eligibility; 401(k) and HSA limits have extra rules for age and multiple jobs.
Reference sources embedded for later checking (internet not required to calculate):
2026 state tax rates / brackets ·
IRS tax brackets ·
SSA 2027 rates/wage base ·
IRS F-1/FICA rules ·
IRS Publication 519 ·
2027 projected tax rates ·
2027 HSA limits.
Version 6.0 · November 2026 · All calculations run in your browser. Named scenarios sync to your Supabase account when you explicitly save them.