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Budget Calculator

Step 1

Calculate Monthly Spendable income
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

Total Available Spending
Monthly Spendable Income
– Total Spent for Month
= Total Available for Month
Total Available for Year