Bank Street

Family Resource Simulator

The Family Resource Simulator (FRS) calculates a family's net resources over a range of earning levels.

Net Resources = Family resources (earnings, tax credits, and public benefits) - family basic expenses (child care, food, medical costs, rent, taxes paid, etc.)

FRS users can determine the annual earnings families need to afford their basic necessities (i.e., their net resources are greater than 0) and when families will hit a benefit cliff (i.e. a small increase in earnings leads to the loss of eligibility for public benefits, making a family worse off).

This graph shows FRS sample results.

EXAMPLE FOR FAMILY IN COLORADO

FRS Example

For results for other locations, please follow steps 1-7.

  • step
    1
    City & State
  • step
    2
    Family
  • step
    3
    Income & Assets
  • step
    4
    Work Supports
  • step
    5
    Child Care
  • step
    6
    Health Insurance
  • step
    7
    Other Expenses
  • step
    8
    Results

1
Select state and city (or county).




This tool is intended for advocates and researchers. For FRS-based tools intended for direct service providers and individual families, please click here.

Contact

For more information about the Family Resource Simulator, or if you work for an organization interested in helping us develop or update a simulator for your state, please contact:

Seth Hartig
Proj. Director, Family Resource Simulator
T: 212-961-3353
E: hartig@nccp.org