Saving and Spending Plan Calculator

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Back to section 1, step 5b of the workbook

Saving and Spending Plan Calculator

Information

This Saving and Spending calculator lists your current income and expenses as you entered them in the Income and Expenses calculator. Now, create your targeted saving and spending plan by entering new amounts.

Once you've created your plan, keep track of your actual expenses for a month or two to see how well you're meeting your goals, making adjustments as necessary.

Income

Income Monthly Target Amount Annual Target Amount

Salary/Wages:
(enter your gross income) $ $

Salary/Wages -- Partner:
(enter partner's gross income) $ $

Bonus:
(gross amount) $ $

Bonus -- Partner:
(gross amount) $ $

Interest Income: $ $

Dividend Income: $ $

Investment Income: $ $

Gifts Received: $ $

Other: $ $

Expenses

Savings and Investments Monthly Target Amount Annual Target Amount

Contribution to Emergency Fund: $ $

College Savings: $ $

Retirement Savings: $ $

Other Savings: $ $

Employment Tax Expenses Monthly Target Amount Annual Target Amount

Federal: $ $

State: $ $

Local: $ $

Medicare: $ $

Social Security: $ $

Other: $ $

Housing Expenses Monthly Target Amount Annual Target Amount

Mortgage Payment:
(principal and interest) $ $

Private Mortgage Insurance Payment: $ $

Homeowners Insurance Payment: $ $

Rent: $ $

Property Taxes: $ $

Utilities: $ $

Telephone: $ $

Household Supplies: $ $

Repairs/Maintenance: $ $

Furnishings: $ $

Other Debt Expenses Monthly Target Amount Annual Target Amount

Vehicle Loan Payment: $ $

Educational Loan Payment: $ $

Credit Card Payment: $ $

Home-Equity Loan Payment: $ $

Other Loans: $ $

Personal Needs Monthly Target Amount Annual Target Amount

Groceries/Dining Out: $ $

Clothing: $ $

Child Care: $ $

Personal Care:
(haircuts, etc.) $ $

Other: $ $

Vehicle Expenses Monthly Target Amount Annual Target Amount

Fuel: $ $

Insurance: $ $

Maintenance/Repair: $ $

Insurance and Medical Expenses Monthly Target Amount Annual Target Amount

Health Insurance: $ $

Life Insurance: $ $

Disability Insurance: $ $

Personal Liability Insurance: $ $

Dentist: $ $

Optical: $ $

Unreimbursed Medical Expenses: $ $

Other: $ $

Miscellaneous Expenses Monthly Target Amount Annual Target Amount

Gifts: $ $

Books and Subscriptions: $ $

Entertainment and Recreation: $ $

Vacation: $ $

Donations: $ $

Pets: $ $

Cable TV: $ $

Other: $ $

Net Income

Net Income: $ 0 $ 0

instead of one page*

*You can enter data in this calculator with each section on a separate page or with all sections on one page.

Data is currently saved for 1 hour(s).

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (800) 369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also be a credit union employee that accepts deposits on behalf of the financial institution.

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