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Home Budget Analysis

Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the "Calculate" button to compare your budget breakdown to our targets, which can help identify areas for improvement.

Your Income and Withholdings
Gross amount paid:
Federal tax withholding:
State tax withholding:
Local tax withholding:
Other taxes and withholdings:
FICA:
Medicare:
Insurance and benefits:
Company savings plan:
Misc. income:
 
Spouse Income and Withholdings
Gross amount paid:
Federal tax withholding:
State tax withholding:
Local tax withholding:
Other taxes and withholdings:
FICA:
Medicare:
Insurance and benefits:
Company savings plan:
 
Monthly house expenses
House payment:
Home maintenance:
 
Monthly loan payments
Auto payment:
Auto payment 2:
Credit card payments:
Bank service charge:
 
Monthly insurance expenses
Auto insurance:
Life insurance:
Health insurance:
Home insurance:
 
Monthly utilities
Electric:
Gas:
Sewer and water:
Cable:
Telephone:
Internet:
 
Other monthly expenses
Food:
Auto gas and maintenance:
General merchandise:
Donations:
Travel and entertainment:
Gift expense:
Child care expenses:
Medical:
Other expenses:

Definitions

Your income
Your total gross income from your paycheck.

Federal tax withholding
Total amount withheld for federal taxes. Enter this amount from your pay stub.

State tax withholding
Total amount withheld for state taxes. Enter this amount from your pay stub.

Local tax withholding
Total amount withheld for local taxes. Enter this amount from your pay stub.

Other taxes and withholdings
Total amount withheld for any other taxes or miscellaneous item. Enter this amount from your pay stub.

FICA
Total withheld for FICA (Federal Insurance Contributions Act) is based on the gross income on your paycheck.

Medicare
Total withheld for Medicare based on the gross income on your paycheck.

Insurance and benefits
Total amount withheld for insurance and benefits by your employer. Enter this amount from you pay stub.

Company savings plan
Total amount withheld from your paycheck that is deposited into a company savings plan such as a 401(k) or 403(b).

Other income
Any other income that you receive including bonuses, alimony, child support or income from a business.

Monthly expenses
Enter your expenses on a monthly basis. Be careful to be as complete as possible when entering your expenses. This will help you get the best possible look at your current budget.

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