Pre-Retirement Planning
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Budget calculator

Now that you have collected all your income and expense information, it's time to add it up to see if you are living within your means. If you discover you have money left over, consider taking less out of your retirement plan savings every month to help make your nest egg last longer. And if you are spending beyond your income, look to where you can reduce expenses so you don't exhaust your savings too early.

Budget Calculator

Income
Retirement plan distributions:
 $ 
Social Security benefits:
 $ 
Pension plan distributions:
 $ 
IRA, SEP and Keogh withdrawals:
 $ 
Annuity payments:
 $ 
Personal savings:
 $ 
Part-time work salary:
 $ 
Rent or royalties:
 $ 
Other:
 $ 
Income Subtotal:
 $ 
   

Expenses
Rent/mortgage payments:
 $ 
Loan — auto, etc.:
 $ 
Insurance premiums:
 $ 
Groceries/dining out:
 $ 
Utilities:
 $ 
Transportation:
 $ 
Entertainment/recreation:
 $ 
Household services:
 $ 
Clothing:
 $ 
Home maintenance:
 $ 
Travel:
 $ 
Hobbies:
 $ 
Health-care related expenses:
 $ 
Gifts/charitable contributions:
 $ 
Other:
 $ 
Expense Subtotal:
 $ 
Total Budget Surplus/Deficit: