Home Budget Calculator

| August 2008

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 "View Report" button to compare your budget breakdown to our targets, which can help identify areas for improvement.

**GRAPH**

Your net monthly income is NET_MONTHLY_INCOME
&NBSP;	You	Your Spouse
Your income	YOUR_INCOME INCOME_PAID_TEXT	SPOUSE_INCOME SPOUSE_PAID_TEXT
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Federal tax withholding	FEDERAL_TAX_WITHHOLDING	SPOUSE_FEDERAL_TAX_WITHHOLDING
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;State tax withholding	STATE_TAX_WITHHOLDING	SPOUSE_STATE_TAX_WITHHOLDING
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Local tax withholding	LOCAL_TAX_WITHHOLDING	SPOUSE_LOCAL_TAX_WITHHOLDING
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Other taxes and withholdings	OTHER_TAXES_AND_WITHHOLDINGS	SPOUSE_OTHER_TAXES_AND_WITHHOLDINGS
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;F I C A	FICA	SPOUSE_FICA
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Medicare	MEDICARE	SPOUSE_MEDICARE
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Insurance and benefits	INSURANCE_AND_BENEFITS	SPOUSE_INSURANCE_AND_BENEFITS
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Company retirement savings plan	COMPANY_SAVINGS_PLAN	SPOUSE_COMPANY_SAVINGS_PLAN
Net Check	NET_CHECK	SPOUSE_NET_CHECK
Other income	OTHER_INCOME OTHER_INCOME_PAID_TEXT	&NBSP;

Your total monthly expense is TOTAL_EXPENSES
&NBSP;	Your Payments		Target Payments		Difference
&NBSP;	%	Amount	%	Amount	&NBSP;
&NBSP;
Monthly House Expenses
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;House payment	PERCENT_HOUSE_PAYMENT	YOUR_HOUSE_PAYMENT	TARGET_HOUSE_PAYMENT	TARGET_AMOUNT_HOUSE_PAYMENT	DIFFERENCE_HOUSE_PAYMENT
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Home maintenance	PERCENT_HOME_MAINTAINCE	YOUR_HOME_MAINTAINCE	TARGET_HOME_MAINTAINCE	TARGET_AMOUNT_HOME_MAINTAINCE	DIFFERENCE_HOME_MAINTAINCE
&NBSP;
Auto payment	PERCENT_AUTO_PAYMENT	YOUR_AUTO_PAYMENT	TARGET_AUTO_PAYMENT	TARGET_AMOUNT_AUTO_PAYMENT	DIFFERENCE_AUTO_PAYMENT
Second auto payment	PERCENT_AUTO_PAYMENT_2	YOUR_AUTO_PAYMENT_2	TARGET_AUTO_PAYMENT_2	TARGET_AMOUNT_AUTO_PAYMENT_2	DIFFERENCE_AUTO_PAYMENT_2
Credit card payments	PERCENT_CREDIT_CARD_PAYMENTS	YOUR_CREDIT_CARD_PAYMENTS	TARGET_CREDIT_CARD_PAYMENTS	TARGET_AMOUNT_CREDIT_CARD_PAYMENTS	DIFFERENCE_CREDIT_CARD_PAYMENTS
&NBSP;
Utilities
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Electricity	PERCENT_ELECTRIC	YOUR_ELECTRIC	TARGET_ELECTRIC	TARGET_AMOUNT_ELECTRIC	DIFFERENCE_ELECTRIC
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Gas	PERCENT_GAS	YOUR_GAS	TARGET_GAS	TARGET_AMOUNT_GAS	DIFFERENCE_GAS
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Sewer and water	PERCENT_SEWER	YOUR_SEWER	TARGET_SEWER	TARGET_AMOUNT_SEWER	DIFFERENCE_SEWER
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Cable	PERCENT_CABLE	YOUR_CABLE	TARGET_CABLE	TARGET_AMOUNT_CABLE	DIFFERENCE_CABLE
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Telephone	PERCENT_TELEPHONE	YOUR_TELEPHONE	TARGET_TELEPHONE	TARGET_AMOUNT_TELEPHONE	DIFFERENCE_TELEPHONE
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Internet	PERCENT_INTERNET	YOUR_INTERNET	TARGET_INTERNET	TARGET_AMOUNT_INTERNET	DIFFERENCE_INTERNET
&NBSP;
Food	PERCENT_FOOD	YOUR_FOOD	TARGET_FOOD	TARGET_AMOUNT_FOOD	DIFFERENCE_FOOD
Auto gas and maintenance	PERCENT_AUTO	YOUR_AUTO_GAS_AND_MAINTENANCE	TARGET_AUTO	TARGET_AMOUNT_AUTO	DIFFERENCE_AUTO
General merchandise	PERCENT_GENERAL_MERCHANDISE	YOUR_GENERAL_MERCHANDISE	TARGET_GENERAL_MERCHANDISE	TARGET_AMOUNT_GENERAL_MERCHANDISE	DIFFERENCE_GENERAL_MERCHANDISE
Donations	PERCENT_DONATIONS	YOUR_DONATIONS	TARGET_DONATIONS	TARGET_AMOUNT_DONATIONS	DIFFERENCE_DONATIONS
&NBSP;
Insurance
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Auto	PERCENT_AUTO_INSURANCE	YOUR_AUTO_INSURANCE	TARGET_AUTO_INSURANCE	TARGET_AMOUNT_AUTO_INSURANCE	DIFFERENCE_AUTO_INSURANCE
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Life	PERCENT_LIFE	YOUR_LIFE	TARGET_LIFE	TARGET_AMOUNT_LIFE	DIFFERENCE_LIFE
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Health	PERCENT_HEALTH	YOUR_HEALTH	TARGET_HEALTH	TARGET_AMOUNT_HEALTH	DIFFERENCE_HEALTH
&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Home	PERCENT_HOME_INSURANCE	YOUR_HOME_INSURANCE	TARGET_HOME_INSURANCE	TARGET_AMOUNT_HOME_INSURANCE	DIFFERENCE_HOME_INSURANCE
Medical expenses	PERCENT_MEDICAL	YOUR_MEDICAL	TARGET_MEDICAL	TARGET_AMOUNT_MEDICAL	DIFFERENCE_MEDICAL
Travel and entertainment	PERCENT_TRAVEL_AND_ENTERTAINMENT	YOUR_TRAVEL_AND_ENTERTAINMENT	TARGET_TRAVEL_AND_ENTERTAINMENT	TARGET_AMOUNT_TRAVEL_AND_ENTERTAINMENT	DIFFERENCE_TRAVEL_AND_ENTERTAINMENT
Gift expense	PERCENT_GIFT_EXPENSE	YOUR_GIFT_EXPENSE	TARGET_GIFT_EXPENSE	TARGET_AMOUNT_GIFT_EXPENSE	DIFFERENCE_GIFT_EXPENSE
Bank service charges	PERCENT_BANK_SERVICE_CHARGE	YOUR_BANK_SERVICE_CHARGE	TARGET_BANK_SERVICE_CHARGE	TARGET_AMOUNT_BANK_SERVICE_CHARGE	DIFFERENCE_BANK_SERVICE_CHARGE
School or daycare	PERCENT_SCHOOL_OR_DAYCARE	YOUR_SCHOOL_OR_DAYCARE	TARGET_SCHOOL_OR_DAYCARE	TARGET_AMOUNT_SCHOOL_OR_DAYCARE	DIFFERENCE_SCHOOL_OR_DAYCARE
Other	PERCENT_OTHER	YOUR_OTHER	TARGET_OTHER	TARGET_OTHER	DIFFERENCE_OTHER
&NBSP;
Total expenses	PERCENT_TOTAL_EXPENSES	TOTAL_EXPENSES	TARGET_TOTAL_EXPENSES	TARGET_AMOUNT_TOTAL_EXPENSES	DIFFERENCE_TOTAL_EXPENSES
Total available for savings	PERCENT_AMOUNT_ABLE_TO_PUT_INTO_SAVINGS	TOTAL_AVAILABLE_FOR_SAVINGS	TARGET_SAVINGS	TARGET_AMOUNT_SAVINGS	DIFFERENCE_SAVINGS

Breakdown of your annual gross income of YEARLY_GROSS_INCOME
&NBSP;	%	Annual Amount
Total taxes	PERCENT_TAXES_PAID	YEARLY_TAXES
Company benefits	PERCENT_COMPANY_BENEFITS	YEARLY_PAID_FOR_COMPANY_BENEFITS
Company retirement savings plan	PERCENT_COMPANY_SAVINGS_PLAN	YEARLY_PAID_INTO_COMPANY_SAVINGS_PLAN
Expenses paid	PERCENT_EXPENSES_PAID	YEARLY_EXPENSES
Available for savings	PERCENT_AVAILABLE_FOR_SAVINGS	YEARLY_AVAILABLE_FOR_SAVINGS
Debt ratio	DEBT_RATIO	&NBSP;

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Definitions

Your income: Your total gross income from your paycheck.
Other income: Any other income that you receive including bonuses, alimony, child support or income from a business.
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 retirement savings plan: Total amount withheld from your paycheck that is deposited into a company retirement savings plan such as a 401(k) or 403(b).

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