$7,734.00 |
$92,808.00 |
Monthly take-home income (myself) +Gross: $13,742.31/mo - Pre-tax medical/dental: $700.48/mo - Pre-tax 401k: $1,786.50/mo (1% company match, not shown here) - Pre-tax HSA: $588.48/mo - Taxes: $2,785.24/mo - Post-tax life insurance: $147.82/mo |
$2,753.00 |
$33,036.00 |
Monthly take-home income (spouse) + Gross: TBD - Pre-tax 401k: $100 (3% company match, not shown here) - Taxes: TBD |
($2,556.00) |
($30,672.00) |
Groceries/beer/dinner/going out money (pretty much spend all of spouses income) |
($1,863.00) |
($22,356.00) |
Mortgage: - Principle (3% fixed) Interest $913.50; will be paid off in 2035 - Property Taxes $544.75 - Homeowner's Insurance $129.25 - HELOC interest $275, fluctuates |
($1,077.00) |
($12,924.00) |
Roth IRA Contribution |
($987.73) |
($11,852.76) |
Truck payment - Will be paid off Nov '27 |
($600.00) |
($7,200.00) |
Vacation saving (although we typically overspend this category) |
($440.00) |
($5,280.00) |
Gas for cars |
($333.00) |
($3,996.00) |
Insurance & license plates/registration - Insurance - Cars (2): $588 for 6 months - Insurance - Boat/trailer: $2,060/yr - License plates - Car 1: $158 - License plates - Car 2: $218 - License plates - Boat trailer: $358 |
($320.00) |
($3,840.00) |
Utilities - Gas/Electric $283.24 - Water/Sewer/Garbage $30.30 |
($317.00) |
($3,804.00) |
Furniture Store Credit Card (0% interest) - Will be paid off May '26 |
($207.00) |
($2,484.00) |
Cellular (3 lines) |
($200.00) |
($2,400.00) |
529 college savings |
($150.00) |
($1,800.00) |
Christmas saving - This includes gifts, but also ingredients for cookie bakes, buying food/drinks for holiday gatherings, etc. This stuff all adds up! |
($143.94) |
($1,727.28) |
Studen Loans (2.75%) - Will be paid off Dec '25 (roughly), don't let the door hit you in the ass. |
($140.00) |
($1,680.00) |
Gym membership for two |
($100.00) |
($1,200.00) |
Car stuff (tolls, oil change, car wash, tires, service, etc.). I definitely need to bump this up a bit |
($100.00) |
($1,200.00) |
Boat maintenance - This number is a joke. Maybe for our old boat...but for our new boat I definitely need to jack this number up by ~3x. |
($84.99) |
($1,019.88) |
Internet |
($60.00) |
($720.00) |
School stuff (lunch, field trips, etc.) |
($60.00) |
($720.00) |
Monthly subscriptions: - Apple $9.99 - Netflix $22.99 - Hulu $8.99, after $6 Verizon credit - Spotify $16.99 |
($60.00) |
($720.00) |
Annual Subscriptions: - Amazon Prime $139 - Office365 $106.24 - VPN $40 - YNAB $98.99 - Backblaze $65 - 1Password $35.88 - Citicard (American Airlines) $99 - Boat navigation software $125 |
$687.34 |
$8,248.08 |
Remaining |