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Why does the model use Gross Salary versus Net Salary?

There are several reasons. The first is to estimate your taxes (including FICA withholding) to provide a complete view of your expenses. Most people would be challenged to estimate this and it was more accurate to complete this within the app rather than have the user estimate themselves. The second is that it provides a means to use deductions for retirement accounts and savings, which then estimates your future asset value.

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