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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Real Earnings Calculator

Related Article: Real Earnings (True Net Pay)

Number of Hours
(use decimal points for parts of an hour. For example l/4 hour = .25, 1/3rd = .33, l/2 = .5)
Amount of Money
(If actual amounts are not available, use ballpark estimates.)

What you earn on a gross basis per year before deductions

$

Health Insurance (company contribution this year to premium payments and to any tax advantaged health-related accounts)

$

Annual cost of other employer provided insurance

$

Employer's pension contribution this year

$

Employer's 401(k) contribution this year

$

Vacations and paid leave which you are not planning on using this year but for which you expect to be paid. Enter the gross amount you expect to receive.

$

Performance incentives you expect to receive this year. Include amounts such as bonuses, the value of stock the company gives you, and the value of stock options (at the difference between the option price and the market value).

$

Extras this year - such as the value of company-paid dues, lease on a company car, pre-paid legal advice, and professional dues.

$

Total of Above

Total Income Per Week

The average number of hours you work at the job each week

Your commute door-to-door (include time for traffic jams, late and/or broken down trains or buses):

Dollar amount (average per week)

$

Time (average number of hours per week)

Other travel and/or transportation:

Dollar amount of unreimbursed expense (average per week)

$

Time (average number of hours per week)

The time and money you spend reading periodicals or taking courses or whatever you do to keep current for your job:

Dollar amount (average per week)

$

Time (average number of hours per week)

The time and money you spend socializing for work (socializing you wouldn't do if you didn't have this job)

Dollar amount (average per week)

$

Time (average number of hours per week)

The average number of hours per week you need to decompress after coming home from work (multiply the number of days you work times the number of hours per day you need to decompress)

The average number of hours per week you spend working outside the workplace (such as early mornings, at night and/or on weekends)

Other time relating to your work (average per week)

Work-related entertainment

Number of hours (average per week)

Amount of money that is not reimbursed - average per week

$

Breakfasts, Lunches, Snacks and Dinners: The extra amount you have to pay each week because your purchases are incurred at the more expensive places at or near work. Also include the extra expense for convenience dinners you purchase that are more expensive than those you could make if you had more time.

$

Clothes and other items you wouldn't purchase if it weren't for the job - clothes you don't wear in your time off or on vacations (include the time you spent shopping as well as the expense of the clothes):

Dollar amount (average per week)

$

Time (average per week to shop)

Cleaning your work clothes

Dollar amount (average per week)

$

Time (average per week to get to and from cleaner)

Items relating to your personal appearance or grooming that you incur because of the job

Dollar amount (average per week)

$

Time (average per week to shop and apply)

Average cost of entertainment each week you probably wouldn't need were it not for the stress of your job

$

Vacations and expensive toys necessitated by the stress of this job

$

Extra expense you incur for exercise near the office. Enter annual amount here: $

(weekly)

Child care due to work - average cost per week

$

House and cleaning clothing that you would do yourself if you didn't have this job - average cost per week

$

Repairs you don't need others to do, but don't have the time for

Dollar amount (average per week)

$

Time (average number of hours per week)

Job related illness (not your health condition which is not related to work)

Unreimbursed dollar amount (average per week)

$

Time (average per week outside normal work time)

Other: $

Number of Hours Amount of Money

TOTAL

Total hours you really work per week

Gross pay per week

Less the additional costs

Net Pay

Real earnings per hour