What CRACTT weighs
Take-home, not gross
Capacity built on what actually hits your account after taxes and deductions.
Fixed obligations
Debt, insurance, childcare, and transportation that shrink what's really available.
Hidden housing costs
Utilities, renters insurance, parking, pet rent, and move-in fees.
Savings floor
Emergency fund and retirement treated as bills, not leftovers.
FAQ
- Does it work for a couple?
- Yes — give combined take-home and combined obligations.
- Will it check a specific listing?
- Paste the rent, utilities, and location and CRACTT says if it fits or what it breaks.
More CRACTT tools
- What's the best travel credit card for me?
- What's the cheapest option that still works?
- Is this a good deal?
- Should I cancel this subscription?
- Should I take this job offer?
- How much should I budget for this?