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Template for Your Monthly Cash Flow Budget (Click Here for a Example of a completed Monthly Cash Flow Budget)

Monthly Inflows
	Total		Employer #1	Employer #2	Employer #3
Salaries:
Gross monthly salary	__________		__________	__________	__________
Federal taxes withheld	__________		__________	__________	__________
Social security (FICA) taxes withheld	__________		__________	__________	__________
Medicare taxes withheld	__________		__________	__________	__________
State taxes withheld	__________		__________	__________	__________
401(k)/403(b) withheld	__________		__________	__________	__________
Dependent care expenses withheld	__________		__________	__________	__________
Medical/dental insurance withheld	__________		__________	__________	__________
Pre-tax medical/dental expenses withheld	__________		__________	__________	__________
Parking/Mass transit withheld	__________		__________	__________	__________
Other payroll deductions	__________		__________	__________	__________
Net monthly pay check		__________	__________	__________	__________
Self-employment income:	Total		Business #1	Business #2	Business #3
Gross monthly collections	__________		__________	__________	__________
Applicable business expenses	__________		__________	__________	__________
Net self-employment income	__________		__________	__________	__________
Federal taxes and SE taxes set aside	__________		__________	__________	__________
State taxes set aside	__________		__________	__________	__________
Retirement plan contributions	__________		__________	__________	__________
Net monthly cash flow from business		__________	__________	__________	__________
Other inflows:
Gross rental income (if you own a multi-family)	__________
Net rental income (if you own other rental real estate)	__________
Investment income (not re-invested)	__________
_______________________________________	__________
_______________________________________	__________
Total other cash flows		__________
TOTAL MONTHLY INFLOWS		__________
Monthly Outflows
Auto expenses:
Loan/lease	__________
Fuel/maintenance/repairs	__________
Insurance	__________
Parking (at home)	__________
_______________________________________	__________
_______________________________________	__________
Total auto expenses		__________
Children:
Clothing, toys, babyfood, & diapers	__________
Childcare (in excess of amounts withheld from salary)	__________
Total children		__________
Home expenses:
Mortgage (minimum payment)/rent	__________
Cleaning	__________
Home repair/supplies	__________
Utilities: cable, gas/electric, water & telephone	__________
_______________________________________	__________
_______________________________________	__________
Total home expenses		__________
Other expenditures:
Clothing	__________
Dining and entertainment	__________
Dry cleaning	__________
Gifts	__________
Groceries	__________
Health & beauty	__________
Insurances - life & disability	__________
Medical & insurance (in excess of amounts withheld)	__________
_______________________________________	__________
_______________________________________	__________
Total other expenditures		__________
Minimum Debt Payments:
Equity loan	__________
Student loans	__________
Credit card	__________
_______________________________________	__________
_______________________________________	__________
Total minimum debt payments		__________
TOTAL MONTHLY INFLOWS		__________
NET MONTHLY SURPLUS/(DEFICIT)		__________

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