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
