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Enter dollar amounts in the calculator without inserting periods or commas. For example, do not use periods to indicate cents (round off to the nearest dollar), and do not use commas in values of 1000 or more.

Income
Monthly Gross Earnings
Subtract 28% for average withholdings
Monthly net income
Expenses
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. ExpensesMisc. Expenses
Includes child care, medical bills, prescriptions, haircuts, dry cleaning.
Entertainment
TransportationTransportation
Includes car payment, gas, repairs, license, insurance, bus or taxi fare.
Child Care
Monthly expenses
Annual expenses
Results
Monthly net income Monthly discretionary income
Subtract monthly expenses Annual discretionary income
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