Actual costs, in hours of work per week
Federal affordability standards, in hours
Each standard is a share of pay, so it converts straight into hours of each earner’s week at any wage. “Actual” is the real cost as a share of pay (of 40-hour pay for rows marked “40-hour base”), and “Change from standard” is the gap in percentage points. “Budget” is what the standard allows at your pay; “Fits” compares it with the actual cost above.