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MONTHLY INCOME
Net take-home only. Do not include amounts deducted before you receive your paycheck.
| SOURCE | NET MONTHLY |
| EARNED INCOME | |
| Person 1 — Primary | |
| Person 2 — Employment | |
| Self-Employment / Business | |
| Second Job / Part-Time | |
| Side Income / Freelance | |
| PASSIVE / OTHER INCOME | |
| VA Disability | |
| Military / First Responder Pension | |
| Social Security / SSDI | |
| Rental / Real Estate | |
| Investment Dividends | |
| Alimony / Child Support Received | |
| TOTAL MONTHLY INCOME | |
|
"Beware of little expenses; a small leak will sink a great ship."
— Benjamin Franklin |
|
MONTHLY FIXED EXPENSES
Do not include expenses already deducted from your paycheck.
| EXPENSE | MONTHLY |
| HOUSING | |
|
PURCHASE PRICE
MONTHLY MORTGAGE OR RENT
CURRENT HOME VALUE
|
|
| Property Tax | |
| Homeowners / Renters Ins. | |
| HOA / Condo Fees | |
| INSURANCE | |
| Health Insurance | |
| Life Insurance | |
| Disability / LTC | |
| Vehicle Insurance | |
| TRANSPORTATION | |
| UTILITIES & SUBSCRIPTIONS | |
| Electric / Gas / Water | |
| Internet / Cell Phone | |
| Streaming / Subscriptions | |
| OTHER FIXED | |
| TOTAL FIXED EXPENSES | |
MONTHLY VARIABLE EXPENSES
Out-of-pocket only. Do not include amounts already deducted from your paycheck.
| CATEGORY | MONTHLY |
| Groceries / Food | |
| Dining Out / Restaurants | |
| Coffee / Snacks | |
| Gas / Fuel | |
| Personal Care / Hygiene | |
| Clothing / Shoes | |
| Children — Activities / School | |
| Childcare / Daycare | |
| Child Support / Alimony Paid | |
| Pet Care / Vet | |
| Gym / Fitness | |
| Entertainment / Recreation | |
| Gifts / Holidays | |
| Charitable Giving | |
| Medical / Rx (out-of-pocket) | |
| TOTAL VARIABLE EXPENSES |
SAVINGS AND INVESTING
Direct contributions only. Do not include what comes out of your gross pay before your paycheck.
| ACCOUNT / PURPOSE | MONTHLY CONTRIBUTION | CURRENT TOTAL |
| Emergency Fund | ||
| 401k / 403b / TSP (direct) | ||
| IRA / Roth IRA | ||
| 457b / Deferred Comp | ||
| HSA (direct contributions) | ||
| Brokerage / Taxable | ||
| College / 529 | ||
| Cash Savings | ||
| TOTAL SAVINGS / INVESTING | ||
|
“All the perplexities, confusion, and distress in America arise, not from defects in their Constitution or Confederation, not from want of honor or virtue, so much as from the downright ignorance of the nature of coin, credit, and circulation.”
— John Adams |
||
DEBT SUMMARY
| CREDITOR / ACCOUNT | BALANCE OWED | INT. RATE | MIN. PAYMENT | MONTHS TO PAYOFF | |
| MORTGAGE AND HOME EQUITY | |||||
| AUTO LOANS | |||||
| Auto Loan — Vehicle 1 | |||||
| Auto Loan — Vehicle 2 | |||||
| CREDIT CARDS | |||||
| STUDENT LOANS | |||||
| Student Loan 1 | |||||
| Student Loan 2 | |||||
| PERSONAL AND OTHER | |||||
| TOTAL DEBT | |||||
TOTAL EXPENSES
Fixed + Variable + Savings + Debt
EVERYDAY PAY
Total net income received
BUILDER PAY
Everyday Pay − Total Expenses
TOTAL ASSETS
Current savings & investment balances
CLIENT NOTES
ADVISOR NOTES