Cost of Living & Disposable Income Calculator

This calculator builds on the Urban Stress Index framework by allowing you to estimate your remaining disposable income after housing, food, and additional personal expenses. While USI focuses on structural cost burden (housing and essential food), this tool extends the analysis to reflect individual lifestyle choices.

Housing and food represent the baseline affordability pressure used in USI. Additional categories such as utilities, transport, and discretionary spending are optional and can be adjusted to match your personal situation.