Retirement Budget Worksheet
How to use this worksheet
Enter your best estimates into the form fields that follow. If a field doesn't apply, just leave it blank or enter zero. For each column, add the numbers up and enter the subtotals at the bottom. At the end of the worksheet, plug those subtotals into the simple equation and you'll find out what your monthly income--after expenses--could be!
Monthly budget worksheet
Essential Budget Items (A)
Household Expenses
Mortgage/Rent
$
Utilities/Telephone
$
Gas/Oil/Water
$
General Maintenance
$
Household Supplies
$
Discretionary Budget Items (B)
Household Expenses
Home Improvement
$
New Purchases
$
Cable TV
$
Internet
$
$
Meals
Meals
Groceries
$
Dining Out
$
Beverages
$
Entertaining
$
Essential Entertaining
$
$
Debt
Debt
Credit Cards
$
$
Student Loans (self, family)
$
$
Home Equity Loans
$
$
Other
$
$
Tax Considerations
Income (federal, state, local)
$
Property Tax
$
Capital Gains/Dividends
$
Other
$
Tax Considerations
Charitable Contributions
$
Gifts
$
Capital Gains/Dividends
$
Other
$
Insurance
Insurance
Life
$
Long-term Care
$
Auto
$
Other
$
Homeowner's/Renter's
$
$
Health/Dental
$
$
Other
$
$
Miscellaneous
Professional Services
$
Dues (memberships)
$
Childcare
$
Miscellaneous
Professional Services
$
$
$
Subtotal A
$
Subtotal B
$
Transfer Subtotal A and Subtotal B to their spaces on the next page.
4
Monthly budget worksheet
Essential Budget Items (C)
Leisure & Hobbies $ $ $ $ $ $ $ $
Discretionary Budget Items (D)
Leisure & Hobbies
Health Club (exercise classes) $
Vacation/Travel
$
Dining
$
Movies, Theater, Rentals $
Education
$
Other (books, hobbies)
$
Discretionary spending $
Gifts and Holidays
$
Personal Care
Clothing (purchase/cleaning)
$
Products/Maintenance $
Personal care
The Extras
$
Products/Maintenance $
Healthcare & Wellness
Medicare
$
Medical/Supp. Insurance $
Out-of-Pocket Copayments $
Dental/Vision/Hearing
$
Eye Doctor/Glasses
$
Medical Equipment
$
Prescription and OTC drugs $
Other
$
Healthcare & Wellness Out-of-Pocket Copayments $
$ $ $ $ $ $ $
Transportation
Car Payments
$
Maintenance/Fuel
$
Taxes, Registration, etc. $
Other (bus/train/airfare)
$
Transportation
Discretionary Travel
$
Vacations
$
Upgrades
$
Other
$
Subtotal C
$
Subtotal A (from prev. page) $
Total Essential Budget
$
Subtotal D
$
Subtotal B (from prev. page) $
Total Discretionary Budget $
Monthly Income Sources
(net of taxes)
Pension/IRAs
$
401(k)/403(b)/457(b) $
Social Security
$
Dividends/Interest
$
Alimony/Child Support $
Employment
$
Royalties
$
Real Estate (rental income) $
Other
$
Total Monthly Income $
Total Essential Budget
+
Total Discretionary Budget
=
Total monthly expenses
$___________ $___________ $___________
Total monthly income
?
Total monthly expenses
=
Funds available
$___________
$___________ $___________
5
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