BEST Result

Family Type

Number of Workers

Number of Children, Ages 0-3

Number of Children, Ages 3-5

Number of Children, Ages 6-12

Number of Children, Ages 13-18


(Employer-sponsored health insurance and retirement plan and access to unemployment insurance.)



Basic Economic Security Tables Print Change Selections
(1 Worker with Employment-based Benefits)

  BEST Your
BEST % Your
Expenses %
Housing 0 $ 0    
Utilities 0 $ 0    
Food 0 $ 0    
Transportation 0 $ 0    
Child Care 0 $ 0    
Personal & Household Items 0 $ 0    
Health Care 0 $ 0    
Emergency Savings 0 $ 0    
Retirement Savings 0 $ 0    
Taxes* 0 $ 0    
Tax Credits* 0 $ 0    
Monthly Total 0 0 0    
Annual Total 0 0 0    
Hourly Wage 0 0 0    
Additional Asset Building Savings
Children's Higher Education 0 $ 0    
Homeownership 0 $ 0    

Basic Economic Security Tables for jurisdiction

* BEST estimates include calculations on a family’s tax liability. BEST taxes include federal, state and local taxes, as well as the estimated amount of sales tax paid on personal and household items. Most database users will find it difficult to estimate their net tax liabilities (the taxes withheld from their paychecks, plus or minus additional tax paid or refunded at the end of the tax year) averaged over 12 months. If you choose not to enter taxes, you will still be able to compare the cost of all other budget items against the BEST Index. You may also use the same estimated taxes and tax credits used in the BEST, if you do not know your tax information.

Compare Your Budget

Enter your monthly expenses to see how your monthly budget compares to the BEST Index for your location and family type. If you do not know how much you spend on your basic needs, you can leave a field blank. The expenses included are only BEST basic needs; when you enter your expenses, the Database calculates your total and proportional spending on basic needs only.

Every household’s circumstances are unique. Only you can judge whether you are currently spending or saving too little or too much, and whether spending changes are necessary. You can use the BEST budget, however, to consider your expenses in the context of local costs and economic security—and revisit the Database to see how your household budget and BEST Indexes change over time. You can also consider whether and how you might increase or decrease your expenses and savings to increase the possibility of long-term security. If your income is below your local BEST income, you might consider the spending levels and career opportunities that will maximize your security in both the short- and long-term.

BEST Index

The BEST Index measures the income a working adult requires to meet his or her basic needs

Each BEST Index component is a conservative estimate of need; the BEST does not include any “extras” such as vacations, entertainment, electronics, gifts or meals out. As a result, those living below an economically secure income may be forced to go without, make difficult choices among basic needs or forgo economic security by not fully developing savings.

The BEST also includes basic savings that promote long-term and intergenerational economic security. BEST budgets include monthly emergency savings, which protects families from unforeseen expenses, and retirement savings, which helps workers achieve Elder Index economic security incomes in retirement. Two optional savings types—savings for children’s higher education and homeownership—are presented as additions to the core BEST budget.

All budget components are calculated using publicly available data, obtained from government and industry sources and market rate studies. For detailed information on expense components, including data sources and assumptions used in specific calculations, see the BEST Index expenses and savings definitions. Additional information can be found in The Basic Economic Security Tables: United States Methodology and Supplemental Data, available at

Compare Your Budget to the BEST

Compare your monthly expenses to the BEST budget for your area to see how your expenses (or planned expenses) compare to the BEST.