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Enter dollar amounts in the calculator without inserting periods or commas.
For example, do not use periods to indicate cents (round to the nearest dollar),
and do not use commas in values of 1000 or more.

Families Monthly Gross Earnings  
Subtract 28% for average withholdings

Monthly net income

Housing: monthly rent or mortgage expenses.
Grocery Items: food, toothpaste, shampoo, household supplies.
Utilities: electric and gas, water, electric, phone, cable, Internet, etc.
Medical Insurance: monthly bills, health insurance and prescription expenses.
Saving: monthly credit union or savings plans.
Student Loans: monthly loans that you are currently paying on.

Clothing: monthly clothing expenses.
Misc. Expenses: monthly child care, haircuts, dry cleaning and others.
Transportation Expenses: car payment, insurance, gas, repairs, license, bus or taxi.
Other Credit: include credit cards, other loans
Entertainment: going out.

Monthly expenses
Yearly or Annual Expenses

Monthly net income
Subtract monthly expenses

Equals monthly discretionary income
Annual discretionary income

Let Us Help You Budget To Get Into A Home or Refinance for The Best Rate Now!


For more information complete the following:


First Name
Spouses Name
Last Name
Home Number ( )
ork Number ( )
ax Telephone ( )

E-mail Address  
Street Address
ity State Zip


Comments, Questions and/or Suggestions:




Copyright February 2, 2000.
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