Personal Budget Calculator
Directions:
Input dollar amounts in YELLOW AREA; the annual amount will be completed for you DO NOT include any funds in CHILD names; you can add them in the COMMENTS section below For any ANNUAL PAYMENTS or EXPENSES, divide by 12 and input the MONTHLY AMOUNT If you are unsure of the exact dollar amount in any category, input your BEST GUESS amount Use the HELP tab at the bottom of this page to make it easier to complete the calculator
Income: Your Primary Income Your Spouse's Income Child Support or Alimony Pension Income Investment Income Real Estate Investment Income Business Income Other Income Total Income
Monthly Amount Annual Amount $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Bank Account Deposits: Checking Savings Money Market CD (Certificae of Deposit) 1 CD (Certificate of Deposit) 2 Other Total Bank Deposits
Monthly Average Balance
Monthly Deposits
$0.00
$0.00
$0.00
$0.00
Necessary Expenses: Child Support or Alimony Rent Mortgage 2nd Mortgage or Home Equity Loan Property Taxes Homeowner's Insurance Life Insurance Payments Water Garbage Gas & Electric Auto Insurance Auto Repairs Food & Groceries (not dining out) Clothing (necessary) Telephone (not mobile phone) Home Cable Service Renter's Insurance Student Loans Home Maintenance Dry Cleaning Laundry Childcare (daycare & babysitters) Child & Baby Expenses Other Dependent Expenses Total Necessary Expenses
Monthly Expense Annual Amount $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Discretionary Expenses: Credit Card Bills Auto Loan(s) 1 Auto Loan(s) 2 Gasoline Mobile Phone(s) Entertainment (not dining out) Dining Out Family Dining Out Salon Services Memberships Cleaning Services Self-Storage Pets, Pet Care and Pet Food Clothing (above what's needed) Total Discretionary Expenses
Monthly Expense
Annual Amount $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$0.00
Current Balance
$0.00
Monthly Contributions $0.00
Investment: 401K, 403B Deposits IRA Deposits Employee Stock Plans Other Brokerage Balances Other Total Investment Balances
$
-
$0.00
$0.00
$0.00
Monthly Budget Analysis: Total NET Income Necessary Expenses Discretionary Expenses Amount remaining to save or invest
Monthly $0.00 $0.00 $0.00
Annual $0.00 $0.00 $0.00
$0.00
$0.00
Savings and Investments: Bank Account Deposit Balances Brokerage Balances Retirement Savings Total Savings Net Worth Calculator Assets: Primary Home 2nd Home Automoblies Cash on Hand Insurance Cash Value Retirement Funds Furnishings Items of Significant Value Total Assets
Current Balance $0.00 $ $ -
$0.00
Current Value Liabilities: Mortgage Balance Other Mortagage Balances Home Equity Balance Auto Loans Other Loans Credit Card Balances Total Liabilities Net Worth = Current Debt
$
$0.00
$0.00
Please use this area to share any other financial information that may help us better evaluate your budget calculator:
Good for you! Once you have completed your CALCULATOR:
SAVE the file to your computer. Then either ATTACH THE FILE in an e-mail to calculator@carrozzaassociates.com -ORPRINT AND FAX your completed calculator to 845-593-3013. Your Name: E-mail Address: Phone Number: Best Time to Reach You: City and State Where You Live:
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Help for Personal Budget Calculator
Income: Your Primary Income Your Spouse's Income Child Support or Alimony Pension Income Investment Income Real Estate Investment Income Business Income Other Income Total Income Bank Account Deposits: Checking Savings Money Market CD (Certificate of Deposit) 1 CD (Certificate of Deposit) 2 Other Total Bank Deposits
This is your NET PAY, not your gross This is your NET PAY, not your gross Only If you receive child support or alimony payments Pension only Dividends, Interest, etc. Net profit from properties Net income from your business Military, disablity, etc.
Monthly average balance Monthly average balance Monthly average balance Monthly average balance Monthly average balance Any other savings, such as U.S. Savings Bonds
Necessary Expenses: Child Support or Alimony Rent Only if you pay child support or alimony Input entire monthly rent payment (if your payment includes utlities, indicate in the comments area) Input the total mortgage payment that you make each month, including all taxes and insurance (if applicable) Input the total mortgage payment that you make each month, including all taxes and insurance (if applicable) If not included in your monthly mortgage If not included in your monthly mortgage Total of all policies Per your bill Per your bill Per your bill Total of all policies For example: tires, maintenance, repairs, etc. Average monthly expense Average monthly expense If not a part of your cable package TV, computer and telephone Per your bill Total of all your loans
Discretionary Expenses: Credit Card Bills Auto Loan / Lease 1 Input the total average amount that you pay on all credit cards monthly. Input monthly payment amount and indicate in comments if lease Input monthly payment amount and indicate in comments if lease
Mortgage
Auto Loan / Lease 2
2nd Mortgage or Home Equity Loan Property Taxes Homeowner's Insurance Life Insurance Payments Water Sanitation Gas & Electric Auto Insurance Auto Repairs Food & Groceries (not dining out) Clothing (necessary) Telephone (not mobile phone) Home Cable Service Renter's Insurance Student Loans
Gasoline Mobile Phone(s) Entertainment (not dining out) Dining Out Family Dining Out Salon Services Memberships Cleaning Services Self Storage Pets, Pet Care and Pet Food Clothing (above what's needed) Total Discretionary Expenses
Average monthly expense movies, video rentals, theater tickets, sports tickets, nights on the town, etc. include lunches at work , coffee newspaper, breakfast anything you buy daily Average monthly expense Hair services or SPA services Gym, Community any fee paid for memberships Any interior or exterior services Average monthly expense Average monthly expense
Investment: Input the amount on your most current statement / input monthly contribution, if any Input the amount on your most current statement / input monthly contribution, if any Input the amount on your most current statement / input monthly contribution, if any Annuities or any other tax-deferred investments Input the amount on your most current statement / input monthly contribution, if any Other non-tax-deferred investments
Home Maintenance
Home repairs, landscaping, snow removal, etc.
401K, 403B Deposits
Dry Cleaning
Average monthly expense
IRA Deposits
Laundry Childcare (daycare & babysitters)
Average monthly expense Total monthly cost
Employee Stock Plans Other
Child & Baby Expenses Other Dependent Expenses Total Necessary Expenses
Children's school lunches, diapers, baby food, etc. Children's school, college tuition or other necessary expenses
Brokerage Balances Other Total Investment Balances Page 3 of 4
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Monthly Budget Analysis: Total NET Income Other Income Necessary Expenses Discretionary Expenses Amount remaining to save or invest
These categories will be filled in automatically
Savings and Investments: Bank Account Deposit Balances Brokerage Balances Retirement Savings Total Savings -
These categories will be filled in automatically
Liabilities: Net Worth Calculator Assets: Primary Home 2nd Home Automoblies Cash on Hand Insurance Cash Value Current market value of your home Current market value of 2nd home Total current value of all owned vehicles (do not include any leased vehicles) Total of all bank and brokerage account balances (not including reitrement funds) Whole or Universal Life policies (this would be available on your most current statement) You need to fill in this section Mortgage Balance Other Mortagage Balances Home Equity Balance Auto Loans Other Loans Credit Card Balances Total Liabilities
You need to fill in this section Current outstanding balance of primary residence Total current balance of any other mortgages you owe Any and all outstanding 2nd mortgage balances Total outstanding balances on all vehicle loans (do not include leases) Personal, college or any other outstanding loan balances Total outstanding balances of all credit cards Will be totaled automatically
Retirement Funds
Furnishings Items of Significant Value Total Assets
401K, IRA or any other retirement vehicles Total current value of owned furniture, electronics, computers, jewlery or any other items valued at more than $1,000 such as antique collections, artwork, coin collections, etc. Any other Items that you may feel carry a value over $1,000 Will be totaled automatically
Net Worth =
Will be totaled automatically
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