SAMPLE
Post-graduation budget (basic version) after you make your changes, recheck to make sure everything makes sense and totals correctly
Name________________________________________
inputs Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Full Year Source of information (update to show your actual sources used):
Salary (pre-tax) $ 55,000 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 4,583 $ 55,000 www.salary.com
Less: social security 6.20% $ 284 $ 284 $ 284 $ 284 $ 284 $ 284 $ 284 $ 284 $ 284 $ 284 $ 284 $ 284 $ 3,410
Less: Medicare 1.45% $ 66 $ 66 $ 66 $ 66 $ 66 $ 66 $ 66 $ 66 $ 66 $ 66 $ 66 $ 66 $ 798
Less: federal / state income tax 14.0% $ 642 $ 642 $ 642 $ 642 $ 642 $ 642 $ 642 $ 642 $ 642 $ 642 $ 642 $ 642 $ 7,700 www.taxes.com
After-tax income $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 3,591 $ 43,093
SAVINGS
Emergency could do % of after-tax income or flat amount 10% 359 359 359 359 359 359 359 359 359 359 359 359 4,309 covers 2 months?
Retirement 12% 431 431 431 431 431 431 431 431 431 431 431 431 5,171
other (purpose?) 100 100 100 100 100 100 100 100 100 100 100 100 1,200
other (purpose?) 50 50 50 50 50 50 50 50 50 50 50 50 600
TOTAL SAVINGS 940 940 940 940 940 940 940 940 940 940 940 940 11,280
EXPENSES
Healthcare 250 250 250 250 250 250 250 250 250 250 250 250 3,000 my parents
Rent or Mortgage 750 750 750 750 750 750 750 750 750 750 750 750 9,000 www.livinginAZ.com
Giving could do % of take-home (after-tax) pay or flat amount 10% 359 359 359 359 359 359 359 359 359 359 359 359 4,309
your expense #4 example: Utilities 150 150 150 150 150 150 150 150 150 150 150 150 1,800 my current bills
your expense #5 350 350 350 350 350 350 350 350 350 350 350 350 4,200
your expense #6 150 150 150 150 150 150 150 150 150 150 150 150 1,800
your expense #7 200 200 200 200 200 200 200 200 200 200 200 200 2,400
your expense #8 50 50 50 50 50 50 50 50 50 50 50 50 600
your expense #9 100 100 100 100 100 100 100 100 100 100 100 100 1,200
your expense #10 180 180 180 180 180 180 180 180 180 180 180 180 2,160
your expense #11 75 75 75 75 75 75 75 75 75 75 75 75 900
your expense #12 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0
your expense #13 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0
your expense #14 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0
your expense #15 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0
your expense #16 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0
– 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0 – 0
TOTAL EXPENSES 2,614 2,614 2,614 2,614 2,614 2,614 2,614 2,614 2,614 2,614 2,614 2,614 31,369
Surplus? Deficit? Does every $ have a purpose? $ 37 $ 37 $ 37 $ 37 $ 37 $ 37 $ 37 $ 37 $ 37 $ 37 $ 37 $ 37 $ 443
e x a m p l e
http://www.salary.com/ http://www.taxes.com/
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