Form 1: How much income do you need now?
This Monthly Cash Flow Statement corresponds to Figure 2.2 in How Much Is Enough?

Enter your monthly expenses. Any annual or occasional expenses should be averaged for a monthly total. In the book I recommend that you keep track of all of your expenses for at least one month, preferably three months. You can download this form as a guide.

If you regularly keep track of your monthly expenses, you might be able to fill in this form accurately now.

At the bottom, enter your total monthly income.


Monthly Cash Flow Statement
Category Monthly Cost

Home

Mortgage, rent or maintenance fees

Home & property maintenance

Property tax

Property insurance

Heating, electricity, water/sewer

Household Expenses

Food (dining out goes under Entertainment in Miscellaneous)

Lunches

Telephone

Computer, Internet service and cable

Newspapers & magazines

General household supplies

Furnishings, equipment & appliances

Loans & Credit Cards

Credit card payments on outstanding balance

Loan payments other than mortgage and car

Personal

Clothing

Laundry & dry cleaning

Life and disability insurance

Toiletries

Medical

Insurance (government and non-government)

Prescription and non-prescription drugs

Dentist

Optician & glasses

Other treatments

Transportation

Car payments

Insurance/licence

Car maintenance

Taxis, parking, bus, subway, carpool

Miscellaneous

Club fees

Entertainment

Vacations/vacation home

Alcohol

Special occasions: birthdays, holidays, etc.

Donations and gifts

Children's allowances, lessons, sports

Education

Income tax (if not deducted from wages)

Qualified Retirement Account

Other savings & investment money

Other expenses

Total Monthly Expenses:
Enter Your Total Monthly Income:
Total Monthly Difference: