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Interactive Tool

Budget Builder

Add your income, everyday expenses, and any debts. We'll show you where your money goes each month—and where TVACU might be able to help.

Add each source of household income—your job, a second job, or a partner's pay.

Roughly what you spend each month. Estimates are fine—leave anything blank if you're not sure. (Enter debt payments under Debts below.)

What you'd like to set aside each month. This counts as money you've allocated, so your "left over" is what's still unspoken-for. (Don't include payroll 401(k) — that's already counted under Benefits & Taxes.)

List any debts you're paying down. TVACU may be able to help you lower a payment or consolidate—we'll flag options on the right.

These fine-tune your take-home estimate. They apply to your main job (the first income stream).

0%
Contribute enough to capture your employer's full match—free money you don't want to leave on the table.
0%
Enter the max your employer will match. E.g. "match up to 4% of salary" = enter 4%. Leave at 0% if unknown or no match.
Your monthly out-of-pocket premium from your pay stub. Leave blank if not applicable.
Used for estimated state income tax only. Rates are simplified estimates.
This is an estimate. Federal and state taxes use simplified calculations (single filer, standard deduction); multiple incomes are combined. State rates are approximate and vary by filing status. Actual amounts depend on your deductions, benefit elections, and local rules. Use for planning only.

Where You Are (monthly)

Money in — take-home
Money out — expenses, debt & savings
Left over each month —

Add your income to see where you stand.

Learn more
How a 401(k) Works → Making the Most of Your Employee Benefits → How the 50/30/20 Rule Works →

Turn Your Budget Into a Plan.

Subscribe to the Weekly Briefing for tips on saving, cutting debt, and making the most of your money.

Content on this site is for educational purposes only and does not constitute financial advice. The Budget Builder produces estimates using simplified tax calculations—actual figures will vary.