Sapcer
Budget Calculator
Step 1
                                         Enter Monthly Total (gross earnings)
                                         - 1/3 of monthly total (withholdings from checks)
                                         = Monthly spendable income
                                          

Step 2

Monthly Totals
   Mortgage/Rent
   Electricity
   Gas
   Water/Sewer
   Garbage
   Home Maintenance
   Phone
   Property Taxes
   (Other) Home
   Laundry
   Hair Care/ Hygiene
   Clothing
   (Other) Self-care
   Groceries
   Meals Out
   (Other) Food
   Child Care/Support
   Auto Loan
   Gasoline
   Auto Maintenance
   Public Transport


   Car Registration
   Parking
   (Other) Transport.
   Auto Insurance
   Property Insurance
   Home Insurance
   Health Insurance
   Disability Insurance
   Renter's Insurance
   (Other) Insurance
   Cable TV
   Subscriptions
   Memberships
   Health Clubs
   Self-Improvement
   Gifts
   Contributions
   Alcohol
   Tobacco
   (Other) Entertain
   (Other) Entertain
   Pet Care
   Business Expense
   Other Expenses
   Other Expenses
   Other Expenses
   Tuition/ Fees
   Books / Supplies
   Savings
   Investments
   Other Investments
   Dept. Store Cards
   Bank Card
   Student Loans
   Doctor
   Dentist
   Prescriptions
   Visa
   Mastercard
   Discover
   Other Card
   Other Card
   Internet
= Total Spent for Month  Total Required for Year
 

Step 3

                                         Monthly Spendable Income
                                         - Total Spent for Month
= Total Available for Month  Total Available for Year
 

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