Personal Budget Calculator

COMPLETE ITEMS IN YELLOW ONLY

Results:
Salary
Necessary Expenses
Discretionary Spending
Investments Spending
Total Expenses
Total Gross Income
Debt to Income Ratio
Necessary Expenses
Payroll Taxes
Other income deductions
Rent or Mortgage
Property Taxes
Water
Garbage
Gas & Electric
Auto Insurance
Auto repairs
Food & Groceries (not dining out)
Home or Renters Insurance
Healthcare or Insurance Costs
Dental Care or Insurance Costs
Life Insurance Costs
Student Loans
Home Repairs
Home supplies
Dry cleaning
Laundry
Total Necessary Expenses
Discretionary Expenses:
Credit Card Bills
Auto Loan (s)
Gasoline
Cable or Satellite TV
Mobile Phone (s)
Home Improvement
Home Security
Garden Supplies

Monthly Yearly
$2,500 $30,000
$1,105 $13,255
$350
$4,200
$13
$150
$1,467 $17,605
$2,500 $30,000
44.18% 44.18%
Monthly Annual
$916 $10,995
$0
$0
$600
$7,200
$0
$0
$13
$150
$13
$150
$40
$480
$5
$65
$4
$50
$250
$3,000
$8
$100
$0
$0
$0
$0
$0
$0
$150
$1,800
$8
$100
$8
$100
$0
$0
$5
$60
$1,105 $13,255
Monthly Annual
$0
$0
$0
$0
$100
$1,200
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

Entertainment (not dining out)

Dining Out
Travel & Vacation
Pets, Pet Care and Pet Food
Clothing & Shoes
Internet Access
Computer Costs
Gym membership
Haircuts, Manicures, Pedicures
Coffee & Energy Drinks
Beer & Alcohol
Cigarettes & Tobacco
Total Discretionary Expenses

Investment Spending:
401(k), 403(b) Contributions
IRA deposits
Other
Total Investment Spending

$100
$100
$0
$0
$33
$0
$0
$0
$8
$8
$0
$0
$350

$1,200
$1,200
$0
$0
$400
$0
$0
$0
$100
$100
$0
$4,200

Monthly Annual
$13
$150
$0
$0
$0
$13
$150

Comments

Keep this as low as possible

Comments
FICA/Medicare (7.65%), State NC Tax (6%), Federal Tax (23%) = 36.65%
United Way, Donations, etc
Assumes a roommate
If you own a home in rent and other expenses
Generally pay quarterly
Generally pay quarterly

Estimate annual costs (oil change, regular maintenance, repairs)

Using parent's insurance

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include necessary furniture, maintenance & cleaning supplies

Comments

Family netflix account

Bundled with parents'

movies, video rentals, theater tickets, sports tickets, nites on the town, etc.
include lunches at work
no pets

money spent on computers, software and games

Comments