Smart Spending

Home budget calculator

Calculate your monthly budget and more

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

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Smart Spending

This Financial Calculator requires SUN's Java� Plug-in. If you see this message you will need to download SUN's Java� Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing �Install ActiveX Control�.

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For more information about this Plug-in please visit: SUN's Java� Plug-in
For more information these financial calculators please visit: Financial Calculators from KJE Computer Solutions, LLC

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 this amount from your pay stub.
State tax withholding: Total amount withheld for state taxes. Enter this amount from your pay stub.
Local tax withholding: Total amount withheld for local taxes. Enter this amount from your pay stub.
Other taxes and withholdings: Total amount withheld for any other taxes or miscellaneous item. Enter this 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 this amount from you 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 are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard 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 issues.

Compare Home Equity Rates

30K FICO-based HELOC average
5.19%

About our rates

About this index

Overnight Averages

Product	Rate	+/-	Last week
30 yr fixed mtg	3.77%		3.60%
15 yr fixed mtg	2.88%		2.74%
5/1 ARM	2.66%		2.54%

View rates in your area:

Product	Rate	+/-	Last week
$30K HELOC	4.98%		4.99%
$30K home equity loan	6.17%		6.19%
$50K HELOC	4.56%		4.56%

View rates in your area:

Product	Rate	+/-	Last week
48 month used car loan	2.92%		2.93%
48 month new car loan	2.45%		2.45%
36 month used car loan	2.88%		2.88%

View rates in your area:

Product	Yield	+/-	Last week
6 month CD	0.45%		0.41%
1 yr CD	0.67%		0.62%
5 yr CD	1.24%		1.22%

Compare rates:

Product	Rate
Balance Transfer Cards	15.92%
Cash Back Cards	16.34%
Low Interest Cards	11.01%

Compare rates:

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