Know what you actually make.
Hi — I’m SwissFam, the person behind Budgidity. I’m based in Chicago, and I built this site for one simple reason: the number on the offer letter is almost never the money that actually shows up in your account.
Between federal income tax, Social Security, Medicare, and your state’s income tax, “gross” and “take-home” can be worlds apart — and a lot of people don’t find that out until the first paycheck lands. Budgidity closes that gap. Type in a salary or hourly rate, pick your state and filing status, and you’ll see your real take-home pay in seconds, using the 2026 federal brackets.
But knowing your number is only half of being financially fit. So your take-home figure flows straight into a monthly budget built on the popular 50/30/20 rule — 50% needs, 30% wants, 20% savings — giving you a healthy starting target for each line that you can adjust to fit your life. The goal isn’t a perfect spreadsheet; it’s feeling a little more in control of your money.
What Budgidity promises
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Free, always
No charge, no premium tier, no catch.
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No sign-up
The tools work instantly for everyone.
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Your numbers stay yours
What you type stays in your browser, on your device.
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No data collected
Nothing competing for your data.
Budgidity won’t replace a tax professional, and it isn’t meant to. It’s a fast, good-faith estimate to help you plan, compare offers, and budget with confidence. For filing or big decisions, check with the IRS, your state’s revenue department, or a licensed professional.
Got feedback, or spotted something off? I’d love to hear it.
— SwissFam Chicago, Illinois · [email protected]