LRLiving Rights IQLiving Rights IQ
NonprofitProject of STIPrivate by defaultNever soldPublic data sourcesMIT · BLS · HUD · KFFEducational onlyNot financial advice
Global Economic Dignity Platform

Work Should Be
Enough To Live.

Millions of working families pay taxes, work full-time, and still cannot afford healthcare, dental emergencies, housing stability, or financial safety.

Start Free Analysis View Example Analysis
Avg. Family Health Premium
$0
Employer family coverage, annual · KFF 2024
+24% since 2018
Living Paycheck to Paycheck
0%
of U.S. consumers · PYMNTS / LendingClub 2024
+7 pts since 2018
Cannot Cover $400 Emergency
0%
of U.S. adults · Federal Reserve SHED 2023
Stable since 2020
Cost-Burdened Renters
0%
spend >30% of income on housing · Harvard JCHS 2024
+4 pts since 2018
Updated May 2026 · synthesized from KFF, Federal Reserve, Harvard JCHS, PYMNTS
The Reality

Working full-time, still without margin.

Healthcare strain
Premiums grow faster than wages. For many families, a single hospital bill can undo a year of saving.
Dental cost gap
Most insurance excludes routine dental care. A single $1,500 procedure can tip a stable month into a difficult one.
Childcare burden
Childcare often exceeds rent. Many parents work full-time and still spend most of a paycheck to do so.
Thin household margin
Full-time work, taxes paid, very little left over. The math has tightened steadily for many U.S. households.
Anonymous National Data

Where the dignity gap shows up.

Aggregated, anonymized indicators across U.S. working households. No personal data is shown — only directional trends from public surveys and consenting research participants.

Updated May 2026 · public datasets
U.S. working households — pressure indicators
12-year trend, indexed to 100
2014201620182020202220242026
Healthcare cost burden
0%
of working families report skipping or delaying care due to cost
Housing burden
0%
of renters spend over 30% of income on housing
Emergency vulnerability
0%
cannot cover a $1,000 emergency without borrowing
Dental care unaffordability
0%
of adults postponed needed dental work last year

Sources: Kaiser Family Foundation Employer Health Benefits Survey (2014–2024), Harvard Joint Center for Housing Studies America's Rental Housing report, U.S. Bureau of Labor Statistics Consumer Expenditure Survey, and Federal Reserve Survey of Household Economics and Decisionmaking. Index values are normalized to a 2014 baseline of 100.

How It Works

Three steps to clarity

01
Enter your numbers
Income, hours, taxes, rent, food, healthcare, dental, childcare, debt — anonymous and private.
02
See your true position
Net income, dignity gap, family risk score, healthcare affordability and emergency resilience.
03
Download your report
A professional Economic Dignity Report you can save, share, or take to a nonprofit advocate.
Family Risk Analysis

Can this family actually survive the month?

Can this family afford rent?
Housing burden over 35% of net income flags pressure.
Can this family afford healthcare?
Insurance, copays, and prescriptions weighed against take-home pay.
Can this family afford a dental emergency?
Cash-on-hand vs. typical $1,500 dental cost.
Can this family survive a $1,000 emergency?
Emergency resilience score against unplanned cost.
Can this family support children safely?
Childcare and remaining balance after essentials.
Healthcare & Dental Reality

The two costs that break working families

Healthcare Affordability Level
We compute insurance premiums plus recurring medical bills as a share of net income. The result is a clear label — Affordable, Strained, Unaffordable, or Critical.
Dental Care Affordability Level
Most insurance excludes dental. We measure whether your household could absorb a single $1,500 dental emergency without going negative.
Emergency Simulator

What if something goes wrong this month?

Test a dental emergency, ER visit, car repair, rent hike, lost week of work, or new medication — and see exactly how deep the deficit would go.

Run Emergency Simulator
AI Economic Dignity Report

A clear document of your reality

The Economic Dignity Report summarizes your household income, monthly expenses, remaining balance, risk score, healthcare risk, family risk and emergency vulnerability — with plain-language explanations and nonprofit support guidance.

Explore the full example analysis
Example Household · Cleveland, OH
Critical
Sample report preview
28
Dignity
Housing burden62%
Healthcare load48%
Emergency resilience18%
Net income
$3,180
Essentials
$3,640
Remaining
-$460
Dignity score
28 / 100
Illustrative · Family of 4 · $48k income Generated from public datasets
Nonprofit Mission

Data, dignity, and people

What we do
We build free tools that translate household economics into a language families, advocates, and nonprofits can act on.
Who we serve
Working people, single parents, caregivers, veterans, and the nonprofits and clinics that support them.
Trust & Privacy

Built with the standards of a global research institute.

Nonprofit transparency
Open methodology, no advertising, no political affiliation.
Your data stays yours
Calculator inputs are stored only in your browser. We never sell personal data.
Anonymous research only
Aggregate trends are derived only from consenting contributors — never identifiable.
Free for every family
Always free for working families, advocates, clinics, and community nonprofits.
Updated May 2026 · public datasets
MethodologyData sourcesPrivacy
Parent nonprofit organization

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Living Rights IQ does not provide legal, financial, tax, or medical advice. The platform provides educational economic analysis and nonprofit resource guidance.