Calculators >>Home Budget Analysis

Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the "view report" button to compare your budget breakdown to our targets, which can help identify areas for improvement.

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Definitions

Your income: Your total gross income from your paycheck.
Other income: Any other income that you receive including bonuses, alimony, child support, or income from a business.
Federal tax withholding: Total amount withheld for federal taxes. Enter the amount from your pay stub.
State tax withholding: Total amount withheld for state taxes. Enter the amount from your pay stub.
Local tax withholding: Total amount withheld for local taxes. Enter the amount from your pay stub.
Other taxes and withholdings: Total amount withheld for any other taxes or miscellaneous item. Enter the amount from your pay stub.
FICA: Total withheld for FICA (Federal Insurance Contributions Act) is based on the gross income on your paycheck.
Medicare: Total withheld for Medicare based on the gross income on your paycheck.
Insurance and benefits: Total amount withheld for insurance and benefits by your employer. Enter the amount from your pay stub.
Company retirement savings plan: Total amount withheld from your paycheck that is deposited into a company retirement savings plan such as a 401(k) or 403(b).

Information and interactive calculators are made available to you as self-help tools for your independent use and do not represent the products or services of Pioneer Services. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance decisions.