EPI Family Budget Calculator

EPI Family Budget Calculator measures whether household income can realistically support family life. It analyzes living costs, childcare burden, housing stress, income gaps, and survival margins to show financial stability beyond simple budgeting.

👨‍👩‍👧 Family Composition
Adults (1-2)
1
Children (0-4)
0
National Average (1.0x)
💰 Income Profile
Gross income before taxes
Budget Standard
Basic = Essentials only. Comfortable = Savings + Leisure.
Assume +0% costs
Monthly Sufficiency Gap
$0
Status: Analyzing…
Required Living Wage
$0/hr
Per adult (+10% buffer)
Annual Required
$0
Pre-tax total needed
Biggest Pressure
Housing
Primary cost driver
Emergency Fund Required
0 Mo
3-Month Safety Net Needed
🧠 Survival Strategy
Highest Leverage Move
Analyzing
Best way to close gap
Second Job Needed?
No
Hours/week (Net $12/hr)
Single Income Viability
Risky
Assuming 1 SAHP (No Childcare)
Money Left Over
$0
Monthly breathing room
đŸ‘ļ Family Reality
Childcare vs Rent
Lower
Comparison check
Marginal Cost Per Child
$0
Incremental Monthly Cost
Childcare Equiv. Wage
$15/hr
Wage vs Childcare cost
Lifestyle Compression
0%
% Budget is Non-Optional
🏠 Housing Stability
Rent Stress
Safe
Housing % of Budget
Downsize Impact
+$0
If housing -15%
Paycheck-to-Paycheck
No
Fixed costs > 80%
Regional Reality
Income feels like $X nationally
📊 Cost Distribution
Stacked Cost Ladder
Housing Childcare Food Other (Tax/Health)
Invisible Costs (Tax/Health)
$0
Monthly non-consumption spend
Show Charts & Detailed Breakdown â–ŧ
Monthly Expense Breakdown
Housing$0
Food$0
Child Care$0
Transportation$0
Health Care$0
Other & Taxes$0
Total Monthly$0
ℹī¸ Trust Note: This is an estimate based on national averages and family structure. It is not a tax filing or official financial advice.

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