Free Cost of Living Calculator — The Salary You Actually Need

Last updated: April 17, 2026

MoneyMath's cost of living calculator translates salary across U.S. states using line-item cost indexes and after-tax context, rather than showing only a single cost index score.

Free to useRuns in your browserTransparent assumptions

Free cost of living calculator showing the salary you actually need. Budget line-item comparison, after-tax state income tax impact, and a 'can you afford to move?' analysis for all 50 U.S. states.

Use the Cost of Living Calculator to compare realistic scenarios before making a money, health, or planning decision.

Adjust the inputs and review the result breakdown so you can see which assumptions matter most.

How to use this calculator

Step 1Enter your starting information. Add the core inputs requested by the Cost of Living Calculator, such as amounts, dates, rates, income, weight, or other scenario details.
Step 2Review the calculated result. Read the headline answer first, then scan the supporting breakdown, chart, or comparison table.
Step 3Compare another scenario. Change one input at a time to understand what drives the result and which option is most realistic.

Formula, Sources & Assumptions

Assumptions

Results are estimates for planning and education.
Actual costs, taxes, rates, or outcomes may differ based on personal circumstances and updated rules.