Middle Class Calculator

The Middle Class Calculator helps users determine their cost-adjusted income, per capita income, middle-class status, and income percentile rank based on their household income, size, location, housing status, and education level.

Use Our Middle Class Calculator

How to Use the Middle Class Calculator

This guide will help you understand how to use the Middle Class Calculator to determine your cost-adjusted income, per capita income, middle class category, and income percentile. Follow the steps below to ensure accurate results.

Step 1: Enter Your Annual Household Income

Input Field: Annual Household Income ($)

Begin by entering your total household income before taxes and other deductions into the designated field. Make sure this amount is a number between 0 and 1,000,000. This field is required.

Step 2: Specify the Number of People in Your Household

Input Field: Number of People in Household

Enter the total number of people living in your household. The value must be an integer between 1 and 20. This field is required to calculate the per capita income correctly.

Step 3: Select Your Geographic Location

Input Field: Geographic Location

  • Large Metropolitan Area (High Cost)
  • Medium-sized City (Moderate Cost)
  • Small City/Rural Area (Lower Cost)

Choose the location that best matches your living area. This selection impacts the cost-of-living adjustment applied to your income. This field is required.

Step 4: Choose Your Housing Status

Input Field: Housing Status

  • Homeowner with Mortgage
  • Homeowner (Paid Off)
  • Renting

Select whether you are a homeowner with a mortgage, a homeowner who has paid off their mortgage, or renting. Your housing status affects the calculation of your cost-adjusted income. This field is required.

Step 5: Indicate Your Education Level

Input Field: Education Level

  • Graduate Degree
  • Bachelor’s Degree
  • Some College/Associate’s
  • High School or Less

Select the highest level of education you have completed. This factor influences the adjustment of your income. This field is required.

Step 6: Review Your Results

After entering all the necessary information, the calculator will generate the following results:

  • Cost-Adjusted Income: Your household income adjusted for cost-of-living factors, expressed in USD.
  • Per Capita Income: The adjusted income divided by the number of people in your household, expressed in USD.
  • Middle Class Category: A classification indicating if you belong to Lower Middle Class, Middle Middle Class, Upper Middle Class, or Above Middle Class based on your per capita income.
  • Income Percentile: Your adjusted income’s percentile rank within a range, shown as a percentage.

Use these insights to understand your economic position and compare how cost-of-living adjustments influence your income category.