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Back to section 1, step 3 of the workbook Income and Expenses Calculator

Information

Using your recent paycheck stubs, checkbook registers, and credit card statements, make a list of your current income and expenses. As for your cash spending, make best-guess estimates. Or better yet, record expenses as you go for a few weeks. Then see where your money is really going by entering the information in this Income and Expenses calculator.

Granted, this will take some time. But it's an essential step in taking control of your money and planning for your future. There are some shortcuts you can take, however. Don't get hung up on trying to identify exactly what you spend on such things as dinners out and clothing; estimates based on your recent spending is generally close enough. And you can enter your income and expense either monthly or annually--whichever works best for you.

Income
Income Monthly Amount Annual 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 Amount Annual Amount
 Contribution to Emergency Fund:   $   $
 College Savings:   $   $
 Retirement Savings:   $   $
 Other Savings:   $   $
Employment Tax Expenses Monthly Amount Annual Amount
 Federal:   $   $
 State:   $   $
 Local:   $   $
 Medicare:   $   $
 Social Security:   $   $
 Other:   $   $
Housing Expenses Monthly Amount Annual 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 Amount Annual Amount
 Vehicle Loan Payment:   $   $
 Educational Loan Payment:   $   $
 Credit Card Payment:   $   $
 Home-Equity Loan Payment:   $   $
 Other Loans:   $   $
Personal Needs Monthly Amount Annual Amount
 Groceries/Dining Out:   $   $
 Clothing:   $   $
 Child Care:   $   $
 Personal Care:
(haircuts, etc.) 		  $   $
 Other:   $   $
Vehicle Expenses Monthly Amount Annual Amount
 Fuel:   $   $
 Insurance:   $   $
 Maintenance/Repair:   $   $
Insurance and Medical Expenses Monthly Amount Annual Amount
 Health Insurance:   $   $
 Life Insurance:   $   $
 Disability Insurance:   $   $
 Personal Liability Insurance:   $   $
 Dentist:   $   $
 Optical:   $   $
 Unreimbursed Medical Expenses:   $   $
 Other:   $   $
Miscellaneous Expenses Monthly Amount Annual 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, D/B/A ALEC Investment Advisors, 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 credit union.

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