60% Net Fixed-Cost Calculator

Use your real take-home pay — not your gross salary.

Section 1 — Income
$
%
Section 2 — Monthly Fixed Costs
$
$
$
$
$
$
$
Section 3 — Real Ledger
Monthly Net Income —
Total Fixed Costs —
Remaining Monthly Margin —
Max Safe Rent (60% rule) —
Fixed Cost Ratio —
0% 60% safe zone 100%
Status Enter your numbers

This calculator uses net income logic — not the outdated 30% gross income rule.
All calculations run locally in your browser. Nothing is stored or transmitted.