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Category GroupSubcategory
Amount (example)
% of Income (Formula)
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Fixed CostsRent or mortgage$1,500.0030%
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Fixed CostsUtilities$200.004%
4
Fixed CostsInternet$75.002%
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Fixed CostsCell phone$75.002%
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Fixed CostsCar payment$300.006%
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Fixed CostsInsurance$250.005%
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Fixed Costs
Minimum debt payments
$200.004%
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InvestmentsRoth IRA$250.005%
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Investments401(k)/Brokerage$250.005%
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SavingsEmergency fund$250.005%
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SavingsVacation fund$150.003%
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SavingsSinking funds$100.002%
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Guilt-Free Spending
Groceries$500.0010%
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Guilt-Free Spending
Dining out$300.006%
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Guilt-Free Spending
Coffee/snacks$100.002%
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Guilt-Free Spending
Subscriptions$50.001%
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Guilt-Free Spending
Travel$500.0010%
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Guilt-Free Spending
Clothing$100.002%
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Guilt-Free Spending
Fitness$100.002%
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$5,250.00
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