Retirement Budget Worksheet
Print this page or fill it on screen, then update it every few months. Use the calculator for quick what-if math.
1. Monthly Income
| Social Security | $ ____________ |
| Pension | $ ____________ |
| 401(k) / IRA withdrawals | $ ____________ |
| Annuity | $ ____________ |
| Other (part-time, family) | $ ____________ |
| Total income | $ ____________ |
2. Monthly Expenses
| Housing (mortgage/rent, tax, insurance) | $ ____________ |
| Utilities & phone | $ ____________ |
| Food | $ ____________ |
| Health (premiums, meds, care) | $ ____________ |
| Transport | $ ____________ |
| Personal & fun | $ ____________ |
| Total expenses | $ ____________ |
3. Result
Surplus (income – expenses): $ ____________ | Shortfall: $ ____________
Practical tip: If there is a shortfall, cut one big fixed cost first – it helps more than many small ones.