St. Cloud, MN
The rest of the month in St. Cloud
$2,755 in modelled household costs, against $5,362 take-home. Leftover is $2,607.
Where the money goes
- Taxes$1,784
- Rent$979
- Other living costs$1,776
- Left over$2,607
Pay and tax, per year
- Gross household pay
- $85,742
- Federal income tax
- −$10,477
- Social Security and Medicare
- −$6,559
- State income tax (MN)
- −$4,367
- Take-home pay
- $64,338
- Effective tax rate
- 25.0%
Living costs, per month
- Rent, 1br
- $979
- Groceries
- $352
- Getting around
- $500
- Healthcare
- $396
- Utilities and internet
- $220
- Everything else
- $308
- Total spending
- $2,755
Left over each month
$7,145 gross, minus $1,784 in tax and $2,755 in living costs.
$2,607
Power bill, separately
EIA 2024 residential electricity in MN averages a $133 monthly bill at 900 kWh. The utilities line above already includes power, gas and water as a household bundle — this is the state rate as a cross-check, not an extra cost.
Non-housing lines start from BLS-order-of-magnitude national spending, then scale by this metro's cost index and your household size. Electricity rates are EIA state averages. Not a budget, not advice.