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Money Manager
INSTRUCTIONS
Intro
The Vertex42 Money Manager can be a very simple money management tool. Like most
spreadsheet applications, you should know that spreadsheets are error-prone. It is easy to
make mistakes, accidentally delete things that should not be deleted, forget to copy formulas,
etc. If you are comfortable using Excel, know how to identify and fix formulas when needed,
understand how to use basic row operations (delete, copy, inserted copied rows, etc.), are
okay with the level of risk you take on by using a spreadsheet, and follow the instructions
and guidelines, you should find this spreadsheet very useful.
General Tips
- Except for customizing the categories, you normally only edit cells with a gray border:
- Some of the labels include cell comments (marked with little red triangles) to provide
extra help information.
- You can add your own cell comments! This is especially useful in the Budget worksheet,
where you can create notes to explain irregular or variable expenses.
- If you see "#####" in a cell, widen the COLUMN to display the cell contents.
- This workbook uses a lot of conditional formatting. Look up "conditional formatting" in the
Excel help system (F1) if you want to know how it works.
- You can add a limited amount of security by password protecting your workbook, but that
can be easily bypassed by anyone with malicious intent. The security of your data is
your
responsibility.
- Backup your file regularly to avoid losing data! Excel files DO get corrupted occasionally.
- For a Financial Year that does not start in January: Before entering your yearly budget,
go to the Report worksheet and enter the "Year Begins" date. This will update the month
labels in the Budget worksheet.
- You can copy and paste the input cells within the Budget worksheet as needed. For exam
enter an average fuel cost in January, then copy the value to other months.
- Use formulas to do basic calculations like "=245/6" to divide 245 by 6 or "=34*2" to multipy
34 by 2, or "=34+12+45" to add a bunch of numbers. Formulas are entered using the
equals "=" sign.
IMPORTANT: You must copy and paste entire rows when adding new rows, to ensure that all
the formatting, data validation, and formulas get copied correctly.
THE MOST COMMON ERROR is inserting a new row and forgetting to copy formulas,
especially the hidden formulas in columns J-L.
When you insert a blank row, some formatting is copied from the row above it automatically,
but formulas and data validation are not copied. Remember: COPY - PASTE - EDIT
Num: This column is usually used to list the check number, but you can also use it to enter
"DEP" for deposit, "TXFR" for transfer, "EFT" for electronic funds transfer, "ACH" for
Automated Clearing House transactions, etc.
Category: The Category field is essential to the functionality of this workbook. The Category
is a dropdown list that gets its info from the Categories worksheet.
The Category column uses conditional formatting to highlight the category PINK if the
category is not found in the Categories worksheet, BROWN if the category is not found
the Yearly or Monthly worksheet, and GRAY if the category is blank, [Transfer], or [Bal
If the formatting isn't copied correctly, you'll lose this double-check feature. So again, t
spreadsheet is not error-proof.
IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove
"Ted's Fund" from the list in the Categories worksheet, it will not be changed in the Transactions
table automatically. You will need to make sure that you find all the records that have used
"Ted's Fund" as the Category and change them to something else.
TIP: Always leave the last row in the table BLANK so that you can easily add new rows. To
add new rows, select the last row of the table (row 57 in the image below) and drag the fill
handle down to copy the row down to create as many new rows as you need.
Fill Handle
Tip: If you want to verify the total amount of the split transaction, you can do a quick
calculation off to the side of the table using an Excel formula, like "=SUM(H13:H15)"
Recording a [Transfer] Between Spending Accounts
Record a transfer by listing two transactions (one PAYMENT, one DEPOSIT) to offset each other.
Choose "[Transfer]" as the Category for both transactions. For example, a $250 credit card
payment would be recorded as a transfer FROM your checking TO your credit card account:
NOTE: The above example assumes that the "payment" to your Credit Card is to pay off the
charges that you have already recorded earlier in the Transaction History table for the
CreditCard account. If you are NOT recording individual CreditCard transactions using the
Transactions worksheet, or part of the $150.00 was to pay down an outstanding debt, then a
credit card payment would look like one of the following, where "Credit Card #1" is a category
under Obligations.
Example 1: Not using Credit Card #1 any more, but still owe money on it.
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT
Checking 1/1/10 Credit Card Credit Card #1 150.00
Example 2: A portion of a credit card payment used to pay down $25.00 of outstanding debt.
ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.00
Checking 1/1/10 TXFR [To CreditCard] Split [Transfer] 125.00
Checking 1/1/10 TXFR [To CreditCard] Split Credit Card #1 25.00
Original Transaction:
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 The Big Store Appliances 50.00
One approach is to first transfer the amount saved from Savings to Checking, recording the
transfer as a credit to the expense category. Then, record the actual payment like normal.
1. Record the Transfer from Savings to Checking as a Credit to the Expense Category
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Savings 6/1/14 TXFR [To Checking] [Transfer] 200.00
Checking 6/1/14 TXFR [From Savings] Insurance 200.00
In the above example, the actual payment of 198.00 was lower than what was previously
total expense of 200.00, so you could end up seeing a value of -2.00 in the Actual column
of the report worksheet. This is similar to what you might see if you received a refund or
return for something you paid in a previous month.
Step 4-3: Record "Cleared" Transactions.
When you see that charges have been processed or "cleared" by your bank, you should
enter a "c" in the reconcile (R) column for that transaction.
The Cleared Balance in the transaction history table shows the Account balance for the
transactions marked "R" for reconciled or "c" for cleared. This allows you to compare the
Cleared Balance with the current balance shown on your bank statements.
The Account Balance reflects your actual or effective balance and is the one you should be
looking at to stay on budget. The Cleared Balance is for comparing to your bank and credit
card statements. For example, when you write a check to a friend, it won't show up in your
bank account until they cash it. You should record the transaction immediately, to help you
stay on budget, but until the check shows up on your bank statement, your Cleared Balance
will be different from the Account Balance (until you enter a "c" or "R" in the reconcile column).
TIP: If you are familiar with using Excel lists or tables, you can use autofiltering to filter the
transaction history table to show a single account at a time.
The Report pulls the budget info from the Budget worksheet and the actual spending from
the Transactions worksheet, so you can view the report at any time during the month and
see how much you have left (or how much you have overspent) in each category.
IMPORTANT: If the Report worksheet does not appear to be pulling information from the
Transactions worksheet, please see Step 4-5 above (Check Formulas).
2010 Vertex42 LLC
HELP >> Excel Tips
Label
et worksheet,
matting" in the
corrupted occasionally.
categories.
any formulas
up introducing
but avoid adding
autocomplete feature
** ACCOUNTS **
Barclaycard Arrival Plus
JOINT CHK
CHECKING
JOEL'S PLATINUM CARD
JOEL'S CUSTOM MANAGEMENT RM
PERSONAL LINE OF CREDIT
[End of List]
yearly budget,
6 or "=34*2" to multipy
unts. Think of a
entering the account.
ve it automatically,
NT DEPOSIT
150.00
anding debt.
PAYMENT DEPOSIT
150.00
125.00
#1 25.00
ENT DEPOSIT
200.00
m as a negative
ment store and
ender, the store
unt as a negative
NT DEPOSIT
NT DEPOSIT
t is common to
ENT DEPOSIT
200.00
ENT DEPOSIT
was previously
Actual column
d a refund or
k, you should
so commonly known
e Transactions
s up on your
hould UNHIDE
spending from
the month and
Jan Feb Mar Apr May Jun Jul Aug Sep Oct
INCOME
Wages & Tips
Total INCOME 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600
TO SAVINGS
Emergency Fund 200 200 200 200 200 200 200 200 200 200
Retirement Fund
College Fund
SAVINGS -Other 600 600 600 600 600 600 600 600 600 600
Total TO SAVINGS 800
% of Income 10.5%
HOUSING
Mortgage & Rent 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675
Improvements
Total HOUSING 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675
% of Income 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0%
UTILITIES
Electric Bill 175 175 175 175 175 175 175 175 175 175
Water 60 60 60 60 60 60 60 60 60 60
Sewer/Trash 53 53 53 53 53 53 53 53 53 53
Mobile Phone 200 200 200 200 200 200 200 200 200 200
Internet 65 65 65 65 65 65 65 65 65 65
Total UTILITIES 553 553 553 553 553 553 553 553 553 553
% of Income 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3%
FOOD
Groceries 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100
Dining/Eating Out
Pet Food
FOOD - Other
Total FOOD 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100
% of Income 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5%
TRANSPORTATION
Vehicle Payments
Auto Insurance 155 155 155 155 155 155 155 155 155 155
Fuel 350 350 350 350 350 350 350 350 350 350
Repairs/Tires
Registration/License
TRANSPORTATION - Other
Total TRANSPORTATION 505
% of Income 6.6%
HEALTH
Health Insurance
Disability Insurance 82 82 82 82 82 82 82 82 82 82
Doctor/Dentist/Optometrist
Medicine/Drugs
Health Club Dues 55 55 55 55 55 55 55 55 55 55
Physical Therapy
Veterinarian/Pet Care
HEALTH - Other joel
Total HEALTH 137 137 137 137 137 137 137 137 137 137
% of Income 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8%
DAILY LIVING
Personal Care
DAILY LIVING - Other
Total DAILY LIVING
% of Income
CHILDREN
Children:College 150 150 150 150 150 150 150 150 150 150
michelle and purple door 905 905 905 905 905 905 905 905 905 905
Swimming 96 96 96 96 96 96 96 96 96 96
Toys/Games
CHILDREN - Speech therapy
Total CHILDREN 1,161 1,161 1,161 1,161 1,161 1,161 1,161 1,161 1,161 1,161
% of Income 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3%
OBLIGATIONS
Credit cards (floor coach fridge, z 393 393 393 393 393 393 393 393 393 393
Student 842 842 842 842 842 842 842 842 842 842
Credit Card #1
Total OBLIGATIONS 1,235 1,235 1,235 1,235 1,235 1,235 1,235 1,235 1,235 1,235
% of Income 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3%
BUSINESS EXPENSE
BUSINESS - Other
Total BUSINESS EXPENSE
% of Income
ENTERTAINMENT
Vacation/Travel
ENTERTAINMENT - Other 10 10 10 10 10 10 10 10 10 10
Total ENTERTAINMENT 10 10 10 10 10 10 10 10 10 10
% of Income 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%
MISCELLANEOUS
Bank Fees
ski pass
Lulu 240 240 240 240 240 240 240 240 240 240
Total MISCELLANEOUS 240 240 240 240 240 240 240 240 240 240
% of Income 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2%
7,600 7,416
2010 Vertex42 LLC
4860 1620
[42] Total Avg
7,600 7,600 91,200 7,600 91200
7,416 7,416 88,996 7,416
184 184 2,204 184
2,020 2,204
Monthly
Nov Dec Total Average
category amount
Total TO SAVINGS 0.88%
7,600 7,600 91,200 7,600 Total HOUSING 22.04%
Total UTILITIES 7.28%
Total FOOD 14.47%
200 200 2,400 200 Total TRANSPORTATI 0.55%
Total HEALTH 1.80%
Total DAILY LIVING
600 600 7,200 600 Total CHILDREN 15.28%
800 67 Total OBLIGATIONS 16.25%
0.9% 0.9% Total BUSINESS EXPEN
Total ENTERTAINMEN 0.13%
Total MISCELLANEOUS 3.16%
1,675 1,675 20,100 1,675
Total TO SAVINGS
175 175 2,100 175
60 60 720 60
53 53 640 53
200 200 2,400 200 Total HOUSING
65 65 780 65 Total FOOD
553 553 6,640 553 Total HEALTH
7.3% 7.3% 7.3% 7.3% Total CHILDREN
Total BUSINESS E
Total ENTERTAINM
1,100 1,100 13,200 1,100
14.5% 14.5% 14.5% 14.5%
Total ENTERTAINM
-5627.7 (5,627.70)
row to ensure that formulas get copied.
Instructions
2010 Vertex42 LLC See the Help worksheet for a detailed
set of instructions and examples.
Cleared Account Cleared BALANCE
Deposit Balance Balance
676.00 676.00
1,298.66 1,298.66
1,921.31 1,921.31
2,331.31 2,331.31
216.01 2,547.32
398.05 2,729.36
175.24 2,904.60
2,506.31 3,079.60
551.12 3,232.67
313.90 3,371.33
448.90 3,506.33
2,635.31 3,635.33
561.12 3,747.55
672.21 3,858.64
104.96 3,963.60
643.34 4,055.82
2,716.56 4,137.07
751.18 4,216.04
824.20 4,289.06
895.88 4,360.74
2,788.24 4,432.42
965.88 4,502.42
2,855.74 4,569.92
2,920.74 4,634.92
1,030.88 4,699.92
2,974.95 4,754.13
1,080.88 4,804.13
1,127.93 4,851.18
686.97 4,894.81
729.78 4,937.62
1,167.93 4,977.62
1,207.93 5,017.62
767.01 5,054.85
1,242.76 5,089.68
1,276.29 5,123.21
1,307.42 5,154.34
1,337.42 5,184.34
1,367.42 5,214.34
1,397.42 5,244.34
1,427.42 5,274.34
1,457.42 5,304.34
3,004.05 5,333.44
1,482.42 5,358.44
1,506.00 5,382.02
1,526.41 5,402.43
1,543.00 5,419.02
3,020.46 5,435.43
1,557.71 5,450.14
117.47 5,462.65
1,570.12 5,475.06
1,581.01 5,485.95
1,590.70 5,495.64
1,600.13 5,505.07
775.27 5,513.33
1,608.12 5,521.32
1,615.58 5,528.78
1,622.68 5,535.88
1,629.56 5,542.76
1,636.44 5,549.64
1,642.88 5,556.08
1,649.24 5,562.44
1,654.36 5,567.56
1,659.34 5,572.54
1,664.24 5,577.44
1,668.87 5,582.07
1,673.34 5,586.54
1,677.60 5,590.80
1,681.03 5,594.23
1,684.31 5,597.51
1,687.53 5,600.73
1,690.75 5,603.95
3.03 5,606.98
6.06 5,610.01
1,693.73 5,612.99
1,696.50 5,615.76
1,698.86 5,618.12
1,701.05 5,620.31
1,703.20 5,622.46
1,705.09 5,624.35
7.14 5,625.43
1,706.17 5,626.51
1,707.25 5,627.59
0.11 5,627.70
5,627.70 11,255.40
5,627.70 11,255.40
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
Monthly Budget Report
HELP
BUDGET SUMMARY
Budget Actual Difference
Total Income
Total Expenses #N/A 5,560.20 #N/A
Budget
Actual
Total Income
Total Expenses
NET
ExpenseSUMMARY
EXPENSE Summary Budget
Budget Actual Difference
TO SAVINGS Actual
800.00 800.00
TO SAVINGS
CHARITY/GIFTS
HOUSING 1,675.00 1,473.83 201.17
CHARITY/GIFTS
UTILITIES 553.33 366.65 186.68
FOOD HOUSING 1,100.00 989.86 110.14
TRANSPORTATION 505.00 823.24 (318.24)
HEALTHUTILITIES #N/A 343.89 #N/A
DAILY LIVING 175.00 (175.00)
CHILDREN FOOD #N/A 147.36 #N/A
OBLIGATIONS #N/A 988.32 #N/A
TRANSPORTATION
BUSINESS EXPENSE
ENTERTAINMENT 10.00 8.26 1.74
HEALTH
SUBSCRIPTIONS
MISCELLANEOUS #N/A 243.79 #N/A
DAILY LIVING
CHILDREN
OBLIGATIONS
BUSINESS EXPENSE
ENTERTAINMENT
SUBSCRIPTIONS
MISCELLANEOUS
Instructions
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Account Date Num Payee Memo Category R PAYMEN PAYMEN
T T
$1,527.09
$1,471.83
$1,443.52
$1,246.28
$(676.00)
$(622.66)
$(622.65)
$(410.00)
$(216.01)
$(182.04)
$(175.24)
$(175.00)
$170.00
$(153.07)
$(138.66)
$(135.00)
$(129.00)
$(112.22)
$(111.09)
$(104.96)
$(92.22)
$(81.25)
$(78.97)
$(73.02)
$(71.68)
$(70.00)
$(67.50)
$(65.00)
$(65.00)
$(54.21)
$(50.00)
$(47.05)
$(43.63) JOINT CHK ### Departmen
$(42.81) JOINT CHK ### Quicken L
$(40.00) JOINT CHK7/7/2014 Quicken L
$(40.00) JOINT CHK ### Wells Farg
$(37.23) CHECKING ### Costco
$(34.83) CHECKING ### Costco
$(33.53) Barclaycard ### AT&T
$32.61 JOINT CHK ### Nv Energy
$31.14 CHECKING ### Geico
$(31.13) Barclaycard7/3/2014 Home Dep
$(30.00) Barclaycard ### Nicole Oli
$(30.00) JOINT CHK ### Saint Mary
$(29.10) Barclaycard7/9/2014 Amazon
$(25.00) Barclaycard7/2/2014 Trader Joe
$(23.58) JOEL'S C 7/7/2014 Costco
$(20.41) CHECKING ### Great Lake
$(16.59) JOINT CHK7/7/2014 Trustmark
$(16.41) Barclaycard7/3/2014 Home Dep
$(14.71) Barclaycard ### 7-Eleven
$(12.51) Barclaycard ### Safeway Fu
$(12.41) JOINT CHK ### Discover S
$(10.89) Barclaycard ### Silver Bea
$(9.69) JOINT CHK ### Truckee M
$(9.43) JOINT CHK ### Chase Serv
$(8.26) Barclaycard ### Babies "R"
$(7.99) JOINT CHK ### Wells Farg
$(7.46) Barclaycard ### Wal-Mart
$(7.10) Barclaycard ### Casa Gran
$(6.88) CHECKING ### Arco
$(6.88) CHECKING ### ATM Withd
$(6.44) Barclaycard ### After Hour
$(6.36) Barclaycard ### Wal-Mart
$(5.12) CHECKING7/9/2014 Arco
$(4.98) Barclaycard7/6/2014 Wal-Mart
$(4.90) Barclaycard ### Trader Joe
$(4.63) Barclaycard ### Barbieri M
$(4.47) Barclaycard ### Regal Nail
$(4.26) Barclaycard ### Barbieri M
$(3.87) Barclaycard7/8/2014 Barbieri M
$(3.43) Barclaycard7/1/2014 Barbieri M
$(3.28) Barclaycard ### Target
$(3.22) JOINT CHK ### Home Dep
$(3.22) Barclaycard7/1/2014 Baskin Q
$(3.03) Barclaycard7/9/2014 Sierra Car
$(3.03) Barclaycard ### Wal-Mart
$(2.98) Barclaycard ### Raley's
$(2.19) JOEL'S C ### 24 Hour Fi
$(2.15) Barclaycard ### USPS
$(1.89) Barclaycard ### Home Dep
$(1.08) Barclaycard ### Subway
$(1.08) Barclaycard7/9/2014 Qdoba Mexi
$(1.08) CHECKING ### Netflix
$0.01 Barclaycard7/1/2014 Panda Exp
Barclaycard ### Burger Kin
Barclaycard7/3/2014 Office Dep
Barclaycard7/5/2014 Markleevil
-5469.89 ### Barclaycard ### Starbucks
5922.48 452.59 Barclaycard7/3/2014 GOODWIL
Barclaycard ### All About
Barclaycard7/7/2014 Raley's
Barclaycard7/2/2014 Starbucks
Barclaycard ### Raley's
Barclaycard ### Goodwill I
Barclaycard ### Jimboys Ta
Barclaycard ### Circle K
Barclaycard ### McDonald'
Barclaycard7/9/2014 McDonald'
JOEL'S PL ### Expand Wit
JOEL'S PL ### Expand Wit
Barclaycard ### GOODWIL
Barclaycard ### Futura Ca
Barclaycard ### McDonald'
Barclaycard7/3/2014 7-Eleven
Barclaycard ### McDonald'
Barclaycard ### Starbucks
JOEL'S PL ### McDonald'
Barclaycard ### McDonald'
Barclaycard7/9/2014 McDonald'
PERSONAL7/7/2014 Interest C
BILL PAY Student L 676 $(676.00)
QUICKEN Mortgage 622.66 $(622.66)
QUICKEN Mortgage 622.65 $(622.65)
BILL PAY Vehicle P 410 $(410.00)
POS PURCHGroceries 216.01 $(216.01)
POS PURCHGroceries 182.04 $(182.04)
AT&T*BIL Mobile P 175.24 $(175.24)
BILL PAY Electric Bi 175 $(175.00)
RECUR DEBAuto Insu 153.07 $(153.07)
THE HOMEImprovem 138.66 $(138.66)
NICOLE O Personal 135 $(135.00)
BILL PAY HEALTH - 129 $(129.00)
AMAZON M Misc Exp 112.22 $(112.22)
TRADER J Groceries 111.09 $(111.09)
POS PURCHGroceries 104.96 $(104.96)
GREAT LAKStudent L 92.22 $(92.22)
TRUSTMARDisability 81.25 $(81.25)
THE HOMEImprovem 78.97 $(78.97)
7-ELEVEN Fuel 73.02 $(73.02)
SAFEWAY Fuel 71.68 $(71.68)
BILL PAY Credit Ca 70 $(71.68)
SILVER B Swimmin 67.5 $(70.00)
BILL PAY Water/Se 65 $(67.50)
BILL PAY Credit Ca 65 $(65.00)
BABIES R Children: 54.21 $(65.00)
BILL PAY Student L 50 $(54.21)
WAL-MARTGroceries 47.05 $(50.00)
CASA GRADining/Ea 43.63 $(47.05)
POS PURCHFuel 42.81 $(43.63)
ATM WITHMisc Exp 40 $(42.81)
PEDIATRI Clothing 40 $(40.00)
WAL-MARTGroceries 37.23 $(40.00)
POS PURCHFuel 34.83 $(37.23)
WAL-MARTGroceries 33.53 $(34.83)
TRADER J Groceries 31.13 $(33.53)
BARBIERI Physical 30 $(31.13)
REGAL NAMisc Exp 30 $(30.00)
BARBIERI Physical 30 $(30.00)
BARBIERI Physical 30 $(30.00)
BARBIERI Physical 30 $(30.00)
TARGET 0 Misc Exp 29.1 $(30.00)
BILL PAY Credit Ca 25 $(29.10)
BASKIN # Dining/Ea 23.58 $(25.00)
SIERRA C Fuel 20.41 $(23.58)
WM SUPERGroceries 16.59 $(20.41)
RALEY'S Groceries 16.41 $(16.59)
24HOUR FIT
Health Cl 12.41 $(12.51)
USPS 3172Misc Exp 10.89 $(12.41)
THE HOMEImprovem 9.69 $(10.89)
SUBWAY 0Dining/Ea 9.43 $(9.69)
QDOBA #3Dining/Ea 8.26 $(9.43)
RECUR DEBENTERTAI 7.99 $(8.26)
PANDA EXDining/Ea 7.1 $(7.46)
BURGER KIDining/Ea 6.88 $(7.10)
OFFICE D Misc Exp 6.44 $(6.88)
MARKLEEVMisc Exp 6.36 $(6.44)
STARBUCKDining/Ea 5.12 $(6.36)
RENO SOUToys/Gam 4.98 $(5.12)
ALL ABOURepairs/T 4.9 $(4.98)
RALEY'S Groceries 4.63 $(4.90)
STARBUCKDining/Ea 4.47 $(4.63)
RALEY'S Groceries 4.26 $(4.47)
GOODWILLToys/Gam 3.87 $(4.26)
JIMBOYS Dining/Ea 3.43 $(3.43)
CIRCLE M Fuel 3.28 $(3.28)
MCDONALD Dining/Ea 3.22 $(3.22)
MCDONALD Dining/Ea 3.22 $(3.22)
Expand Tr Dining/Ea 3.03 $(3.03)
Expand Tr Misc Exp 3.03 $(3.03)
RENO SOUToys/Gam 2.98 $(2.98)
FUTURA CRepairs/T 2.77 $(2.77)
MCDONALD Dining/Ea 2.36 $(2.36)
7-ELEVEN Dining/Ea 2.19 $(2.19)
MCDONALD Dining/Ea 2.15 $(2.15)
STARBUCKDining/Ea 1.89 $(1.89)
MCDONALD Dining/Ea 1.08 $(1.08)
MCDONALD Dining/Ea 1.08 $(1.08)
MCDONALD Dining/Ea 1.08 $(1.08)
Interest C Credit Ca 0.11 $(0.11)
###
Paycheck Calculator
For Wages Paid in 2014
Caution:
This calculator is for educational and illustrative purposes only and should not be construed as financial or tax advice.
The results are only estimates and may not apply to your specific situation.
Please consult a qualified professional regarding financial decisions.
2010-2014 Vertex42 LLC
Paycheck Calculator
1900
1800
1400
1200
1000
800
600
400
Federal Tax
200Social Security
FICA (6.2%)
Tax Deferral Plan
FICA Medicare (1.45%)
Pre-Tax
State
Deductions
Post-Tax
&Post-Tax
LocalDeductions
Taxes
Reimbursements
0
Federal Tax Tables
These tables are used to estimate the federal tax withholding and need to be updated each
year. The federal tax is calculated by multiplying the Federal Taxable Gross by the number
of payments per year, then using the ANNUAL Table to calculate the withholding. The
Federal Taxable Gross is the Gross Pay minus the Allowances minus the pre-tax
withholdings and deductions.
2014 ANNUAL Table for Percentage Method for Income Tax Withholding
Source: IRS Publication 15, Table 7, pg 44
http://www.irs.gov/pub/irs-pdf/p15.pdf
SINGLE
Excess over Withhold Percent
2,250.00 10.0%
11,325.00 907.50 15.0%
39,150.00 5,081.25 25.0%
91,600.00 18,193.75 28.0%
188,600.00 45,353.75 33.0%
407,350.00 117,541.25 35.0%
409,000.00 118,118.75 39.6%
MARRIED
Excess over Withhold Percent
8,450.00 10.0%
26,600.00 1,815.00 15.0%
82,250.00 10,162.50 25.0%
157,300.00 28,925.00 28.0%
235,300.00 50,765.00 33.0%
413,550.00 109,587.50 35.0%
466,050.00 127,962.50 39.6%
Waste removal
Maintenance or repairs
house cleaning
Supplies
Other
Subtotals $1,628 $1,628
Transportation
Vehicle 1 payment $410 $410
Vehicle 2 payment $263 $263
Bus/taxi fare
Insurance $156 $156
Licensing
Fuel $210 $210
Maintenance $50 $50
Other
Subtotals $1,089 $1,089
Insurance
Home
Health
Life
Other
Subtotals
Food
Groceries $550 $550
Dining out $100 $100
JOELS SCHOOL EXPENSE
Children
Medical-eli
Clothing
School tuition
School supplies
Organization dues or fees
Lunch money
Child care
Toys/games
Other diapers $30 $30
Subtotals $30 $30
Pets
Food $55 $55
Medical
Grooming
Toys
Other
Subtotals $55 $55
Personal Care
Medical(phy.therapy,OB)
st. mary's bills $129 $129
Hair/nails
Clothing
Dry cleaning
Health club $12 $12
Organization dues or fees
SWIMMING $28 $28
weightwatchers
docter
baby bootcamp
Subtotals $169 $169
Projected Monthly Income
Loans
Student - Joel $818 $818
Student
Credit card(sacha) $145 $145
HD
cap one
Credit card(joel)
Credit card
Other
Subtotals $963 $963
Taxes
Federal
State
Local
Other
Subtotals
Savings or Investments
Retirement account
Investment account
College $150 $150
Other
Subtotals $150 $150
Legal
Attorney
Alimony
Payments on lien or judgment
Subtotals
$56,623.62
Joel's Pay
$/hr 18
2880
Gross 2448
After Taxes (20%) 612
adj after taxes 1836
4336
1707.20 80 55 $1,760.00
8.02% deductions from gross (ira) $52.80
6.65% $1,707.20
1.56% Taxes
16.23% federal $131.66
SSE $113.56
Medicare $26.56
$271.78
Mileage
$1,435.42
Take home= $1435
Monthly $2871
Yearly $34450
2088
2056
45232
1760
46992
44
6
$42,240.00
###
$1,378.00