| $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 |