Incomes (Before Tax)
   Salary & Earned Income /
  Pension & Social Security /
  Investments & Savings / interest, capital gain, dividend, rental income...
  Other Income / gift, alimony, child support, tax return...
  Income Tax Rate: federal + state + local
Expenses
Housing & Utilities
  Mortgage /
  Property Tax /
  Rental /
  Insurance / home owner, renters, home warranty, etc.
  HOA/Co-Op Fee /
  Home Maintenance / repair, landscape, cleaning, furniture, appliance...
  Utilities / electricity, gas, water, phone, cable, heating...
Transportation
  Auto Loan /
  Auto Insurance /
  Gasoline /
  Auto Maintenance /
  Parking/Tolls /
  Other Transportation Costs / ticket, taxi, registration, etc.
Other Debt & Loan Payments
  Credit Card / the recurring part to payback balance only
  Student Loan /
  Other Loans & Liabilities / personal loan, store card, etc.
Living Expenses
  Food /
  Clothing /
  Household Supplies /
  Meals Out /
  Other / laundry, barber, beauty, alcohol, tobacco, etc.
Healthcare
  Medical Insurance /
  Medical Spending / copay, uncovered doctor visit or drugs, etc.
Children & Education
  Child & Personal Care /
  Tuition & Supplies /
  Child Support Payments /
  Other Spending / book, software, magazine, device, etc.
Savings & Investments
  401k & IRA / before tax contribution
  College Saving / before tax contribution
  Investments / stock, bond, funds, real estate, etc.
  Emergency Fund & Other / savings, CD, house or major purchase, etc.
Miscellaneous Expenses
  Pet /
  Gifts & Donations /
  Hobbies & Sports / Including tickets, gym membership, etc.
  Entertainment & Tickets /
  Travel & Vacation /
  Other Expenses /