Monthly Gross Earnings
Subtract 28% for average withholdings
Monthly net income
Housing
Grocery ItemsGrocery Items Includes food, toothpaste, shampoo, household supplies.
UtilitiesUtilities Includes gas, water, electric, phone, cable, internet, etc.
Savings
Medical Insurance
Clothing
Student Loans
Other CreditOther Credit Includes credit cards, other loans.
Misc. Expenses Misc. Expenses Includes child care, medical bills, prescriptions, haircuts, dry cleaning.
Entertainment
Transportation Transportation Includes car payment, gas, repairs, license, insurance, bus or taxi fare.
Child Care
Monthly expenses
Annual expenses
Monthly discretionary income
Subtract monthly expenses
Annual discretionary income