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BUDGET CALCULATOR

Income
Monthly Gross Earnings  
Subtract 25% for average withholdings
Monthly net income

Expenses
Housing
Grocery Items
Utilities
Medical Insurance
Savings
Student Loans
Clothing
Misc. Expenses
Transportation Expenses
Other Credit
Entertainment
Monthly expenses
Annual expenses

Monthly net income
Subtract monthly expenses
Equals monthly discretionary income
Annual discretionary income
Notes:
Grocery Items: include food, toothpaste, shampoo, household supplies.
Utilities: include gas, water, electric, phone, cable, internet, etc.
Misc. Expenses: include child care, medical bills, prescriptions, haircuts, dry cleaning
Transportation Expenses: include car payment, gas, repairs, license, insurance, bus or taxi fare
Other Credit: include credit cards, other loans

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