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Consumer Credit Counseling Services

Household Budget Calculator

Find out if you earn enough each month to confidently cover your bills.

Your Gross Monthly Pay
(Before Taxes and Deductions) 		$
Your Monthly Take Home Pay $
Spouse's Gross Monthly Pay
(Before Taxes and Deductions) 		$
Spouse's Monthly Take Home Pay $
(Take Home Pay is Net pay plus any loans automatically deducted from your pay check. Mortgage, Auto, etc.)
Other Monthly Income $
Total Monthly Take Home Pay: $
 


Step 2: Monthly Expenses

Housing
Rent & Mortgage 1 $ 2nd Mortgage $
Condo & Homeowner's Fees $ Home & Renters Insurance $
Property Taxes $ Home Repairs & Maintenance $
Electric & Gas $ Water & Sewer $
Phone & Cell $ Cable & Internet $
Transportation:
Car Payment 1 $ Car Payment 2 $
Car Insurance $ Gasoline $
Car Maintenance $ Parking/Tolls $
Food and Personal:
Groceries & Household Suppl $ Clothing for Family $
Meals Out $ School Lunches $
Barber & Beauty Shop $ Dry Cleaning & Laundry $
Tobacco & Alcohol $ Newspaper & Magazines $
Health and Education:
Health Insurance & Co-Pay $ Prescriptions $
Life Insurance $ School Supplies $
Student Loan $ College Tuition $
Child Care $ Child Support $
Other:
Hobbies & Sports $ Pet Care $
Church & Charitable Donation $ Gifts & Holidays $
Delinquent Tax Payments $ Other Expenses $
Total all Credit Cards $ Total all Store Cards $

Total Monthly Expenses: $


Step 3: Monthly Surplus or Deficit


Total Monthly Income: $
Total Monthly Expenses: $
Monthly Surplus/Deficit(-) : $
 

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ClearPoint Talks about the Credit CARD Act

How the
Credit CARD Act
Affects You Beginning
February 22

Testimonials
Bill D. lives in Seattle, Washington. When he joined CCCS's Debt Management Program in 2001, he was a teacher with $20,000 in credit card debt. He is now following his lifelong dream of becoming a writer and looks forward to being free from his debt problems in the next year.
Bill D.
$20,000 in initial debt
CDC

Copyright 2009, Consumer Credit Counseling Service of St. Louis formerly Consumer Debt Counseling (CDC). All Rights Reserved. CCCS of St. Louis is a trade name of ClearPoint Financial Solutions, Inc. Corporate office location 1300 Hampton Ave. at West Park St. Louis, MO 63139-3163

Customer Service available at 888.656.CCCS (2227)