JAdler.net

See where your money goes.
Give every dollar an assignment.

A clearer financial picture starts with knowing what comes in and what goes out. Enter your monthly income and expenses below to see your current cash flow and build a budget that reflects your priorities. Estimates are a good place to start.

Current amounts describe your finances today. Planned amounts create the budget you want to follow.

Income

Use take-home income after taxes and payroll deductions. For income that varies, enter a reasonable monthly average.

CurrentPlanned
Net Income #1
$
$
Net Income #2
$
$
$
$

Expenses

Home and Household

CurrentPlanned
Mortgage / Rent
$
$
Association Dues
$
$
Utilities (power, gas, water, cable)
$
$
Phone
$
$
Groceries
$
$
Day Care
$
$

Transportation and Everyday Spending

CurrentPlanned
Car Payment
$
$
Car Insurance
$
$
Gasoline
$
$
Lunches
$
$
Dry Cleaning
$
$
$
$

Loans and Credit Cards

Enter payments toward existing balances. If you already included a purchase under groceries, clothing, or another category, do not count that same spending again as a credit card payment.

CurrentPlanned
Student Loans
$
$
Visa
$
$
Mastercard
$
$
AMEX
$
$
$
$
$
$

Lifestyle

CurrentPlanned
Fun / Entertainment
$
$
Clothes
$
$

Additional Monthly Expenses

For annual or occasional costs, divide the yearly total by 12 to estimate a monthly amount.

CurrentPlanned
Miscellaneous Expenses
$
$

Savings and Goals

Include only amounts funded from the take-home income entered above. Do not enter payroll deductions again.

CurrentPlanned
Emergency Savings
$
$
Retirement / Investing
$
$
$
$

Your Current Monthly Cash Flow

Enter your income and expenses to begin.

Your Planned Monthly Budget

Enter your income and expenses to begin.

Print or save your results before leaving — entries are not saved after you close this page.

Clarity is a starting point.

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This tool provides an estimate based on the information you enter. It is intended for budgeting and educational purposes.