<prompt> Human: Right now Im utilizing housing affordability calculators and theyre saying I can spend way more money on housing than what seems right. Why is this a thing? I noticed a lot of budgeting or just many things in general go by your Gross Pay. Applying for some sort of aid, Gross Pay. But you generally dont see that money. Am I missing something?  <response>: Because gross income is much easier to calculate and is more stable than net income and the results wont really be affected by the loss in accuracy. 