Retirement Budget Worksheet
Retirement Budget Worksheet
Many retirees find that their essential expenses in retirement take up a lot of their income. Creating a budget to help get a general idea of what you're spending is a smart decision. If you are looking for a target starting point for assessing what your expenses might be in retirement and you're uncertain where to begin, you might consider using a rough estimate of 70% as essential and 30% discretionary (or nonessential) spending. Of course, your actual budget will vary based on your lifestyle and personal situation.
Essential budget items
Household expenses Mortgage/rent Utilities/cable/internet General maintenance Household supplies Property tax & insurance Credit card debt payments Meals Groceries Beverages Essential entertaining Personal care Clothing Products/maintenance Healthcare Medicare/supplemental insurance Out-of-pocket payments Dental Eye doctor/glasses Other essential expenses Transportation Car payments/auto insurance Maintenance and fuel Taxes, registration, etc. Essential transportation costs
Per month
$ $ $ $ $ $
$ $ $
$ $
$ $ $ $ $
$ $ $ $
Discretionary budget items
Household expenses Home improvement New purchases
Meals Dining out Entertaining
Personal care The extras Products/maintenance Healthcare Other out-of-pocket insurance
Transportation Discretionary travel Vacations Upgrades Other
Per month
$ $ $ $ $ $
$ $ $
$ $
$ $ $ $ $
$ $ $ $
Retirement Budget Worksheet
Essential budget items
Leisure & hobbies Essential spending Gifts and holidays Tax considerations Charitable contributions Income tax Other Miscellaneous
TOTAL ESSENTIAL
Per month
$ $
$ $ $
$ $ $ $ $ $ $
Discretionary budget items
Leisure & hobbies Discretionary spending Gifts and holidays Tax considerations Charitable contributions Gifts Other Miscellaneous
TOTAL DISCRETIONARY
Per month
$ $
$ $ $
$ $ $ $ $ $ $
Our consultants are here to help you with your retirement planning needs at every step. You can schedule an advice session with a TIAA financial consultant today.
By Phone: Call 800-842-2252, weekdays, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m. (ET).
Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.
TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.
?2020 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017
1191795 141036341
A13148 (05/20)
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