CLIFF Dashboard provides projections about income and public assistance along a career path. The Dashboard compares the financial tradeoffs to different careers and illustrates how long it will take to achieve economic self-sufficiency. Follow the steps below to learn more.
Step 1: Complete ALL fields to the left.
Step 2: Click the 'Calculate Results' button that appears once all the fields to the left are complete.
Step 3: Select the 'Results' tab at the top of this page to see how much a typical individual in the career path selected may expect to earn over time, how those earnings may impact public assistance, and how those earnings compare to the local cost-of-living.
Step 4: Adjust the dropdown menus to the left to customize your results further. Click 'Recalculate' to update your results.
Click the Calculate Results button to get results
View the results of your projected career path below.
To save these results, hit CTRL+P on your keyboard (COMMAND+P on Mac) and print to PDF.
Projected Pay Along Your Career Path
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The ALICE Survival Budget
Note that the red and gold lines on the chart differ from the same lines in the chart above in two ways: 1) the chart below includes your income plus any income that your family members earn and 2) the chart below shows income minus taxes ('take-home pay').
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The ALICE Survival Budget includes seven basic expenses: child care, food, health insurance, housing, transportation, technology and miscellaneous expenses. Health insurance includes out-of-pocket costs and employer-sponsored insurance premiums. These expenses change with time and depend on factors like the number and ages of children and geographic differences in cost of living. The ALICE Survival Budget also includes taxes, which are not shown here because taxes are taken out of income in the graph above. Expenses are assumed to increase over time according to the ALICE Essential Index (https://www.unitedforalice.org/essentials-index). Future expenses are then adjusted for typical inflation to show current-year dollars in the graph.
Public Assistance
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The chart above shows the dollar value of public assistance programs along a specific career path. The chart below shows how the dollar value and composition of public assistance changes as income increases in $1,000 increments. 1
1 Here, we assume an individual is not eligible for health insurance through their employer.
Net Financial Resources
If net resources decline, the individual likely faces a benefits cliff. If net resources are flat, the individual likely faces a benefits plateau. See the FAQ tab for definitions of benefit cliffs and plateaus.
Which career would the individual be better off in? The chart below shows short-term (1-3 years), medium-term (1-5 and 1-10 years) and long-term (lifetime) gains or losses when switching from the comparison occupation to the target occupation. The gains and losses shown in the chart reflect the difference in net financial resources between the two careers.
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Click Calculate Results button to get results
View the effects of one's projected career path on federal and state budgets below.
To save these results, hit CTRL+P on your keyboard (COMMAND+P on Mac) and print to PDF.
Projected Taxes Along a Career Path
The chart below shows the expected path of total taxes that result from income increases in the chosen careers and county. Note that the dots on the chart show end of year values. Total taxes include the Federal Insurance Contributions Act (FICA) tax, and federal and state income taxes.
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Taxpayer Savings to Career Advancement
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Frequently Asked Questions
What are each of the public assistance programs shown in CLIFF?
I live with a partner but we are not married. Should I include my partner's income in the 'spousal income' field?
How do we project wages in the calculations shown in the results tab?
Where can I find information on the training required for different careers?
In addition, you should talk to local employers and career counselors operating in your areas to learn if local job requirements differ from the typical national requirements shown on 'My Next Move'.
I'm not currently receiving any public assistance. Should I include it in my analysis?
I'm receiving a program that is not on the list. What should I do?
What is a Benefits Cliff and a Benefits Plateau?
Who should I include in my 'family'?
I tried selecting an occupation for my selected county but I don't see it. Where is it?
What types of income are assumed to be $0?
How do the results differ for persons with disabilities?
Are eligibility redetermination periods factored in to these calculations?
Do wages and and expenses account for inflation?
Methodology
For the ALICE methodology and details of the ALICE Household Survival Budget see United for ALICE.
For more information about ALICE in Tennessee, see United WayS of Tennessee.
Wage growth is based on years of experience, education required, and Bureau of Labor Statistics data of the distribution of wages for the specific occupation in the specific county. The employment income charts show the real growth in wages, above the growth that occurs naturally as prices increase. For details, see Ilin and Terry (2022).
Projections for a near-minimum wage job are obtained using the wage growth associated with a cashier worker in the chosen county.
State minimum wage laws are factored into wage growth projections. All jobs that pay between the current minimum wage and the future minimum wage in a state plus 50 percent of the increase are presumed to be affected by minimum wage laws. For details, see Ilin and Terry (2022).
The calculations for public assistance programs, taxes, and tax credits are produced using the Policy Rules Database.
To estimate taxpayer savings we assume that a person who transitions off of a public assistance program with a wait list is not replaced by another person.
Programs and Tax Credits
Subsidized Child Care: Subsidized child care programs are funded by the child care development fund grant (CCDF). This program has a different name and different eligibility rules in each state. The Subsidized Child Care program provides subsidized daycare services to families below state-specified income levels. In almost all states, there is a different income threshold for initial enrollment and continuous enrollment. This lets families stay on the program as their income increases beyond the initial enrollment income threshold. Families pay a copay based on a sliding scale fee schedule, which varies at the county or state level. Note that Subsidized Child Care programs have a waitlist in many cities.
Head Start and Early Head Start: Children from birth to age five and pregnant women from families with incomes below the poverty guidelines are eligible for Head Start and Early Head Start services. Children younger than three are eligible for Early Head Start, and children at least three years old up to school age (typically five years in most states) are eligible for Head Start. Children from families receiving Temporary Assistance for Needy Families (TANF) or SSI are categorically eligible. Children who are homeless or in foster care are eligible as well. Additionally, programs are allowed to enroll families whose incomes are below 130 percent of the poverty line, although the enrollment of these families are capped at 35 percent of participants.
Supplemental Nutrition Assistance Program (SNAP): This program is also known as food stamps and provides vouchers that can be exchanged for food. SNAP is available to individuals below state-specified income levels. Eligibility for SNAP depends on household income, housing expenses, and child care expenses. Some states also have asset tests.Note that the income eligibility rules described on the federal government's benefits website are not correct because they do not account for the fact that states sometimes use broad based categorical eligibility rules to extend eligibility beyond federal limits.
Free of Reduced Price School Meals: This program is also known as the School Breakfast Program and National School Lunch Program. Both programs are federally assisted meal programs operating in public and nonprofit private schools and residential child care institutions. They provide low-cost or no-cost breakfasts and lunches to children every school day. The maximum income for eligibility is 185 percent of the FPL. Children also gain categorical eligibility for free school lunch and breakfast if they are in a family that receives SNAP benefits or TANF cash assistance. In addition, all children at high-poverty schools ('CEP') designated by the U.S. The Department of Agriculture receives school meals at no charge. Note that CLIFF does not account for CEP schools when determining eligibility for SLP and NSLP.
The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC): WIC provides supplemental foods, health care referrals, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age five who are found to be at nutritional risk. WIC provides vouchers for specific types of foods - such as whole-grain bread, baby food, infant formula, and milk - as well as separate 'cash value vouchers' that can be used to buy fruits and vegetables. WIC also provides infant formula to mothers who do not breastfeed. Note that only the value of food is estimated in CLIFF (not the other services provided). To be eligible for WIC, applicants must either have gross household income at or below 185 percent of the federal poverty level or be categorically eligible. An applicant who already receives SNAP (formerly food stamps), Medicaid, or Temporary Assistance for Needy Families cash assistance is categorically eligible for WIC. In addition to passing income tests, women are eligible while they are pregnant and for six months after the birth of the infant. Women who continue to breastfeed their infants beyond six months are eligible for WIC benefits for up to a year after childbirth. Children may be eligible up to their fifth birthday.
Housing Voucher: The Housing Choice Voucher Program (Section 8). Section 8 provides vouchers which reduce the cost of rent. The voucher is paid to the landlord directly by the local public housing agency on behalf of the participating family. The family then pays the difference between the actual rent charged by the landlord and the amount subsidized by the program. To be income-eligible, a family must have adjusted income below 80 percent of the median income for the county or metropolitan area where the family lives. Adjusted income reduces a family's gross income by (1) dependent deduction, (2) elderly/disabled deduction, (3) unreimbursed medical expenses of any elderly family or disabled family, and (4) any reasonable child care expenses necessary to enable a member of the family to work or to further his or her education. The family is 'continuously assisted' under the 1937 Housing Act, meaning the family is already receiving assistance under any 1937 Housing Act program-for example, public housing-when the family is admitted to the voucher program. Once admitted to the program, the family does not undergo any further income eligibility tests. Note that the Section 8 Housing Voucher program has a waitlist in many cities. In Connecticut the value of the housing voucher will include the Rental Assistance Program if that program is checked.
Health Insurance Marketplace Subsidies/ACA: Health insurance marketplace subsidies (also referred to as 'ACA' in CLIFF) provide subsidies for health insurance for those with incomes between 100 percent and 400 percent of the FPL. People pay a portion of their income toward health insurance. The amount of the individual responsibility portion varies by income level, age, and family size. The difference between the individual responsibility portion and the full cost of health insurance purchased on the health exchange is the estimated value of the program.
Medicaid and Children's Health Insurance Program Medicaid is a federal and state program that helps with medical costs for some people with limited income and resources. CHIP provides health coverage to eligible children, through both Medicaid and separate CHIP programs. Income-eligibility thresholds vary by state and depend on whether adults have dependents. There are no work requirements for Medicaid.
Supplemental Security Income (SSI): SSI is a federally funded program that provides cash assistance to low-income individuals with disabilities that prevent them from engaging in “substantial gainful activity” (SGA), in other words, generating income, as diagnosed by medical professionals. Similar to TANF, while many individuals on SSI do not work at all and therefore receive the federally-determined (and updated based on inflation) maximum SSI benefit amount, any earnings that SSI recipients receive lowers their SSI benefit amount.
Social Security's Disability Insurance (SSDI): Social Security's Disability Insurance Benefits are federally funded and administered by the U.S. Social Security Administration (SSA). Social Security pays disability benefits to certain family members if they worked long enough, paid Social Security taxes, and have a medical condition that prevents them from working for at least 12 months or is expected to end in death.
Earned Income Tax Credit (EITC): Both federal and state EITC calculations are included in CLIFF. The Federal EITC is a benefit for working people with low to moderate income. Workers receive a credit equal to a percentage of their earned income up to a maximum. After the credit reaches the maximum, it remains flat until earnings reach the phaseout point. Both the credit rate and the credit maximum vary by family size. To qualify, workers must meet certain requirements and file a tax return, even if they do not owe any taxes or are not required to file. The Federal EITC is a refundable tax credit; it reduces the amount of tax owed and may result in a refund. The income eligibility threshold varies according to the number of dependents and tax filing status. Workers who do not claim eligible children must be at least age 25 but under age 65. If a worker is married filing a joint return, either the worker or spouse must meet this age requirement. Those who are married and filing separately are not eligible. In 2020, 28 states and the District of Columbia offered an additional State EITC. States typically set their credits as a percentage of the Federal EITC. However, unlike the federal credit, some State EITCs are not refundable.
Child Tax Credit (CTC): Both federal and state CTC calculations are included in CLIFF. The Federal CTC is a partially refundable tax credit available to parents with qualifying dependents under the age of 17. In 2020, a family that earned less than $2,500 was ineligible for the credit. Those with incomes above $480,000 ($280,000 for singles and household heads) receive no CTC. Working families can receive a refund equal to 15 percent of their earnings above $2,500. This refund can be worth up to $1,400 per child. Families can claim a maximum tax credit of $2,000. The Federal CTC starts to phase out at income levels of $400,000 ($200,000 for single or head-of-household filers). The America Rescue Plan significantly temporarily expanded the Federal CTC credit in multiple ways. See the Policy Rules Database Technical Manual for more information. As of 2021, six U.S. states-California, Colorado, Idaho, New York, North Carolina, and Oklahoma-have their own child tax credits. States' CTC are typically structured either as a lump-sum payment for each eligible child or as a fixed percent of the federal credit. New York has a combination of both approaches. Some states' CTCs are nonrefundable.
Federal Child and Dependent Care Tax Credit (CDCTC): The Federal CDCTC is a nonrefundable tax credit that reduces a taxpayer's federal income tax liability based on child- and dependent-care expenses incurred. Taxpayers must have earned income and meet a variety of eligibility criteria including incurring qualifying child- and dependent-care expenses for a qualifying individual. A qualifying individual for the Federal CDCTC is either (1) the taxpayer's dependent child under 13 years of age, or (2) the taxpayer's spouse or dependent who is incapable of caring for himself or herself. A taxpayer must have earned income to claim the credit. For married couples, both spouses must have earnings unless one is a student or incapable of self-care. There is no upper income eligibility threshold-taxpayers at all income levels can claim the Federal CDCTC. Many lower-income taxpayers receive little or no credit since the credit is nonrefundable. As of 2020, 28 states and the District of Columbia had enacted their own State CDCTCs, the structure of which varies significantly by state. Some states have set their credits as a share of the federal credit while other states calculate it as a share of expenses. In some states, the credit is fully refundable, while in others it is nonrefundable.
Programs not included in CLIFF: The following programs are not currently included: Temporary Assistance for Needy Families (TANF) for most states, Medicare, city-funded programs, and programs available to specific populations (such as Veterans).