SCFCU


Home Budget Analysis Calculator
St. Cloud Federal Credit Union
Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the "View Report" button to compare your budget breakdown to your targets, which can help identify areas for improvement.

If the calculator below is not being displayed, it may be that you do not have Java installed. Java is a free program that is used on many web sites on the Internet.

To download Java now, please click here. You will be leaving the credit union web site, and you will be directed to the official Java web site, JAVA.COM.

 

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Definitions


Company Retirement Savings Plan
Total amount withheld from your paycheck that is deposited into a company retirement savings plan such as a 401(k) or 403(b).

Federal Tax Withholding
Total amount withheld for federal taxes. Enter this amount from your pay stub.

FICA
Total withheld for FICA (Federal Insurance Contributions Act) is based on the gross income on your paycheck.

Insurance and Benefits
Total amount withheld for insurance and benefits by your employer. Enter this amount from you pay stub.

Local Tax Withholding
Total amount withheld for local taxes. Enter this amount from your pay stub.

Medicare
Total withheld for Medicare based on the gross income on your paycheck.

Other Income
Any other income that you receive including bonuses, alimony, child support or income from a business.

Other Taxes and Withholdings
Total amount withheld for any other taxes or miscellaneous item. Enter this amount from your pay stub.

State Tax Withholding
Total amount withheld for state taxes. Enter this amount from your pay stub.

Your Income
Your total gross income from your paycheck.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy regarding your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals, at the credit union or elsewhere, regarding all personal finance issues.