The score is based on your savings rate after all expenses. We calculate your estimated net income (after ~25% tax), subtract total monthly costs (rent, food, transport, utilities, entertainment), and map the remaining percentage to a 0–100 scale. A score of 80+ means you're saving 30%+ of your income — very comfortable!

We use a comprehensive dataset compiled from public cost-of-living indices, rental market reports, and government statistics. The data is updated regularly to reflect current market conditions across major US cities.

Yes! Click the "Save" button in the header to store your current scenario in your browser's local storage. You can revisit it anytime. We're also working on shareable result links.

Absolutely! The core calculator is completely free. We may introduce premium features like AI-powered insights or detailed reports in the future, but the basic affordability calculator will always remain free.