Budget Planner
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Line |
| Total Monthly Gross Income (Before Taxes) |
|
$____________ |
|
| Subtract Taxes & Other Payroll Deductions (med ins, alimony, etc) |
-$___________ |
|
|
| Subtract 401K, IRA, Other Retirement Plan(s), etc... |
-$___________ |
|
|
| Total Monthly “Net” Income = |
|
$____________ |
A |
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| Housing Expenses |
Monthly Payments |
|
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| Rent or Mortgage Payments |
$____________ |
|
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| Dues ~ Home Association Fees, etc... (if applicable) |
$____________ |
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| Utilities (electric, heating oil, phone, internet, etc...) |
$____________ |
|
|
| Refuse – Garbage Removal |
$____________ |
|
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| Insurance (budget 1/12th if paid annually) |
$____________ |
|
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| Repairs (budget 1/12th if paid annually) |
$____________ |
|
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| Taxes – property, school, sewer, etc (budget 1/12th if paid annually) |
$____________ |
|
|
| Total Housing Expenses = |
$____________ |
|
B |
| Car Expenses |
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| Loan Payment(s) |
$____________ |
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| Gas |
$____________ |
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| Insurance (budget 1/12th if paid annually) |
$____________ |
|
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| Maintenance & Repairs (budget 1/12th if paid annually) |
$____________ |
|
|
| Total Car Expenses = |
$____________ |
|
C |
| Debts (loans, credit cards, etc) |
|
|
|
| Creditor #1________________ Balance__________ |
$____________ |
|
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| Creditor #2________________ Balance__________ |
$____________ |
|
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| Creditor #3________________ Balance__________ |
$____________ |
|
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| Creditor #4________________ Balance__________ |
$____________ |
|
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| Creditor #5________________ Balance__________ |
$____________ |
|
|
| (additional creditor total - if needed) |
$____________ |
|
|
| Total Debt Expenses = |
$____________ |
|
D |
| Miscellaneous |
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|
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| (budget 1/12th for annual expenses) |
|
|
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| Church Tithing, Offerings &/or Charitable Contributions |
$____________ |
|
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| Groceries, Dining out, (food in general) |
$____________ |
|
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| Vacation (budget 1/12th for annual expenses) |
$____________ |
|
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| Childcare |
$____________ |
|
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| College or School Tuition and/or School Supplies |
$____________ |
|
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| Medical Bills and Co-Pays |
$____________ |
|
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| Prescription Medications |
$____________ |
|
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| Pet Supplies, Pet Food & Vet Bills |
$____________ |
|
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| Entertainment, Movies, Video Rentals |
$____________ |
|
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| Membership Fees (fitness club, other club memberships) |
$____________ |
|
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| Newspaper and/or Magazine Subscriptions |
$____________ |
|
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| Shoes, Clothing, etc... |
$____________ |
|
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| Haircuts |
$____________ |
|
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| Gifts ~ Holiday Spending |
$____________ |
|
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| Misc. Cash Purchases |
$____________ |
|
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| Other (additional misc. total – if needed) |
$____________ |
|
|
| Total Miscellaneous Expenses = |
$____________ |
|
E |
| Monthly Expense Totals: |
|
|
|
| Add Total Housing Expenses ~ Line B |
$____________ |
|
B |
| Add Total Car Expenses ~ Line C |
$____________ |
|
C |
| Add Total Debt Expenses ~ Line D |
$____________ |
|
D |
| Add Total Miscellaneous Expenses ~ Line E |
$____________ |
|
E |
| Total Expenses = |
$____________ |
|
F |
|
|
|
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| Total Income ~ Line A |
$____________ |
|
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| Subtract Total Expenses ~ Line F |
-$____________ |
|
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| |
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|
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| Total Monthly Surplus or Shortage |
|
$______________ |
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(Back) Budget Plan - (Next) IRA Plans