BUDGET CALCULATOR      Monthly Income:     Debtor Spouse  Monthly Gross Income        -Federal Taxes        -State Taxes        -City Taxes        -Medicare Taxes        -Insurance        -Union Dues or Uniforms        -401(k) loans        Net Income        Other Income-        Child or Spousal Support          Social Security          Rent received          Rent received          Retirement          Other          Other        TOTAL MONTHLY INCOME          Monthly Expense:    EXPENSE  AMOUNT  Rent or House Payment(s)     Are taxes and insurance included     Utilities – Gas and Electric                -Water and Sewer                -Telephone (include cellular phones)                -Cable or Satellite                -Garbage     House Maintenance (repairs and upkeep)     Food     Clothing     Laundry and dry cleaning     Medical and dental expenses (uninsured)     Transportation (gas etc… not payments)     Recreation, clubs, entertainment, new papers, magazines     Charitable Contributions made regularly     Insurance – Home owners or renters                -Life                -Auto                -Health (if not deducted from payroll)     Taxes not taken from payroll (i.e. property taxes)     Installment payments (not debts being discharged)                -Automobile:                -Automobile:                -Student Loan:                -Other:     Child Support or Spousal Support     Other expenses     Other expenses     Daycare     Criminal Fines or costs     Haircuts         TOTAL EXPENSES     TOTAL DISPOSABLE INCOME FOR BILLS:RS.