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It walks through pre-tax income categories, calculates taxes, and derives after-tax and spendable income. 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By looking closely at your current expenses when you develop your budget, you’ll have the opportunity to make adjustments to your spending so you can contribute more to your savings and prepare for life’s expected—and unexpected—expenses.  \nHow to get started  \n1. Take a minute to read through this budget worksheet.  \n2. Add any other expenses that reflect your personal financial situation.  \n3. Gather supporting documents such as payroll stubs, bank and investment  \nBudgeting and saving video   \nLearn how to create a budget and set aside more for the future. [http://go.ml.com/x7uth](http://go.ml.com/x7uth)  \naccount statements, credit card statements, your checkbook, receipts, etc. Then, fill in the information below.  \nPre-tax income  \nWages and bonuses  \nInterest income (CDs, bonds)  \nInvestment income (dividends/capital gains from stocks and mutual funds)  \nOther  \nIncome subtotal  \nIncome taxes withheld  \nFederal  \nState and local  \nSocial Security/Medicare  \nOther  \nTaxes subtotal  \nMonthly  \n$    \n+ $    \n+ $    \n+ $    \n= $    \nMonthly  \n$    \n+ $    \n+ $    \n+ $    \n= $    \nIncome subtotal-Taxes subtotal = After-tax income  \n$  —$   = $    \nSavings and investments Monthly  \nSavings accounts/emergency funds $    \n401(k)/retirement accounts + $    \nOther stocks/bonds/mutual funds + $    \nCollege savings + $    \nOther + $    \nSavings = $    \nAfter-tax income – Savings = Spendable income  \n$  —$   = $    \nMy plan to increase my savings/investments:  \n\n|  |\n| --- |\n|  |\n\nMerrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BofA Corp.). MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of BofA Corp.  \nInvestment products:  \n\n| Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value |\n| --- | --- | --- |\n\nFixed expenses  \nMortgage payment/rent Property taxes Homeowners/renters insurance Car payment  \nAuto insurance  \nChild care  \nLife/disability/health insurance Other/student loan payment Fixed expenses subtotal  \nVariable expenses  \nHome/yard maintenance  \nGas/oil/electric  \nCable/internet/phone  \nCar maintenance  \nGas/tolls  \nGroceries  \nShopping purchases (any type) Dining out/entertainment  \nLunch/coffee/snacks  \nDry cleaning  \nMoney to your children Credit cards/debt payments  \nOther  \nVariable expenses subtotal  \nTotal monthly expenses (Fixed + Variable)  \nMonthly  \nbudget amount  \n$  \n___________  \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $  = $    \n$  \n___________  \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $  = $    \n$    \nMonthly  \nactual amount  \n$  \n___________  \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $  = $    \n$  \n___________  \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $  = $    \n$    \nDifference  \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \n+/– $    \nSteps to reduce expenses  \nSpendable income – Total monthly expenses = How much more can I save/invest or use towards reducing my debt?  \n$   — $   = $  (from previous page)  \nUsing what you’ve learned can help you take control of your finances and pursue your goals, including building toward your retirement security. Consider using some of the extra money you may discover in your budget to increase your retirement plan contributions.  \nBenefits OnLine®: [www.benefits.ml.com](www.benefits.ml.com)  \nClick Current Elections > Contribution Rates > Change Contribution Rates. While on","cbCaiqWAWoqjorCj","https://ap.wps.com/l/cbCaiqWAWoqjorCj","pdf",155670,"English","# How to get started\n# Income and taxes\n# Savings and investments\n# Monthly expenses\n# Steps to reduce expenses","[{\"question\":\"What information is needed to complete the budget worksheet?\",\"answer\":\"The worksheet prompts users to list pre-tax income sources, income taxes by type, savings and investment categories, and both fixed and variable monthly expenses using personal financial documents such as pay stubs and account statements.\"},{\"question\":\"How does the worksheet calculate after-tax and spendable income?\",\"answer\":\"It subtracts income tax subtotal from income subtotal to get after-tax income, then subtracts savings from after-tax income to determine spendable income.\"},{\"question\":\"How are budgeted and actual expenses compared?\",\"answer\":\"The worksheet provides sections for monthly budget amount and monthly actual amount for multiple expense lines, then calculates a difference (+/–) per category to show how actual spending compares with the plan.\"}]","Budget Worksheet - Spend and Save Planning Guide | PDF"]