ÿþ<HTML> <HEAD> <TITLE>Home Budget Analysis</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Home Budget Analysis</H1><P>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 our targets, which can help identify areas for improvement.<P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="400" width="565"><param name="code" value="HomeBudget" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="HomeBudget.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar"><![endif]> <PARAM name="YOUR_INCOME" value="4000"> <PARAM name="OTHER_INCOME" value="200"> <PARAM name="MSG_YOUR_INCOME" value="Gross amount paid"> <PARAM name="MSG_TOTAL_PAYCHECK" value="Total net paycheck is"> <PARAM name="ADDITIONAL_FIELDS" value="TRUE"> <PARAM name="FEDERAL_TAX_WITHHOLDING" value="350"> <PARAM name="STATE_TAX_WITHHOLDING" value="50"> <PARAM name="LOCAL_TAX_WITHHOLDING" value="0"> <PARAM name="OTHER_TAXES_AND_WITHHOLDINGS" value="0"> <PARAM name="INSURANCE_AND_BENEFITS" value="150"> <PARAM name="COMPANY_SAVINGS_PLAN" value="200"> <PARAM name="YOUR_HOUSE_PAYMENT" value="700"> <PARAM name="YOUR_AUTO_PAYMENT" value="275"> <PARAM name="YOUR_AUTO_PAYMENT_2" value="0"> <PARAM name="YOUR_CREDIT_CARD_PAYMENTS" value="150"> <PARAM name="YOUR_ELECTRIC" value="110"> <PARAM name="YOUR_GAS" value="0"> <PARAM name="YOUR_SEWER" value="25"> <PARAM name="YOUR_CABLE" value="35"> <PARAM name="YOUR_TELEPHONE" value="100"> <PARAM name="YOUR_INTERNET" value="20"> <PARAM name="YOUR_FOOD" value="275"> <PARAM name="YOUR_AUTO_GAS_AND_MAINTENANCE" value="75"> <PARAM name="YOUR_GENERAL_MERCHANDISE" value="200"> <PARAM name="YOUR_DONATIONS" value="0"> <PARAM name="YOUR_AUTO_INSURANCE" value="95"> <PARAM name="YOUR_LIFE" value="25"> <PARAM name="YOUR_HEALTH" value="50"> <PARAM name="YOUR_HOME_INSURANCE" value="50"> <PARAM name="YOUR_HOME_MAINTAINCE" value="50"> <PARAM name="YOUR_MEDICAL" value="50"> <PARAM name="YOUR_TRAVEL_AND_ENTERTAINMENT" value="50"> <PARAM name="YOUR_GIFT_EXPENSE" value="50"> <PARAM name="YOUR_BANK_SERVICE_CHARGE" value="12"> <PARAM name="YOUR_SCHOOL_OR_DAYCARE" value="350"> <PARAM name="YOUR_OTHER" value="0"> <PARAM name="TARGET_HOUSE_PAYMENT" value="0.28"> <PARAM name="TARGET_AUTO_PAYMENT" value="0.09"> <PARAM name="TARGET_AUTO_PAYMENT_2" value="0"> <PARAM name="TARGET_CREDIT_CARD_PAYMENTS" value="0.04"> <PARAM name="TARGET_ELECTRIC" value="0.04"> <PARAM name="TARGET_GAS" value="0.01"> <PARAM name="TARGET_SEWER" value="0.01"> <PARAM name="TARGET_CABLE" value="0.015"> <PARAM name="TARGET_TELEPHONE" value="0.03"> <PARAM name="TARGET_INTERNET" value="0.005"> <PARAM name="TARGET_FOOD" value="0.1"> <PARAM name="TARGET_AUTO_INSURANCE" value="0.03"> <PARAM name="TARGET_GENERAL_MERCHANDISE" value="0.07"> <PARAM name="TARGET_DONATIONS" value="0.01"> <PARAM name="TARGET_AUTO" value="0.03"> <PARAM name="TARGET_LIFE" value="0.01"> <PARAM name="TARGET_HEALTH" value="0.015"> <PARAM name="TARGET_HOME_INSURANCE" value="0.015"> <PARAM name="TARGET_HOME_MAINTAINCE" value="0.01"> <PARAM name="TARGET_MEDICAL" value="0.015"> <PARAM name="TARGET_TRAVEL_AND_ENTERTAINMENT" value="0.015"> <PARAM name="TARGET_GIFT_EXPENSE" value="0.015"> <PARAM name="TARGET_BANK_SERVICE_CHARGE" value="0.005"> <PARAM name="TARGET_SCHOOL_OR_DAYCARE" value="0.09"> <PARAM name="TARGET_OTHER" value="0.0"> <PARAM name="YOUR_ADDITIONAL1" value="0.0"> <PARAM name="TARGET_ADDITIONAL1" value="0"> <PARAM name="YOUR_ADDITIONAL2" value="0.0"> <PARAM name="TARGET_ADDITIONAL2" value="0"> <PARAM name="MSG_YOUR_ADDITIONAL1" value="Other mortgage payments"> <PARAM name="MSG_YOUR_ADDITIONAL2" value="Other monthly expenses"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Home Budget Analysis</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Home Budget Analysis</DIV></td></tr></table></TD></TR></TABLE></CENTER> <P>**GRAPH** <P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR><TD COLSPAN=3 BGCOLOR='CCCCCC'><CENTER><b>Your net monthly income is NET_MONTHLY_INCOME</B></CENTER></TD></TR> <TR><TD>&NBSP;</TD><TD><B>You</B></TD><TD><B>Your Spouse</B></TD></TR> <TR><TD><b>Your income</b></TD><TD>YOUR_INCOME INCOME_PAID_TEXT</TD><TD>SPOUSE_INCOME SPOUSE_PAID_TEXT</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Federal tax withholding</b></TD><TD>FEDERAL_TAX_WITHHOLDING</TD><TD>SPOUSE_FEDERAL_TAX_WITHHOLDING</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;State tax withholding</b></TD><TD>STATE_TAX_WITHHOLDING</TD><TD>SPOUSE_STATE_TAX_WITHHOLDING</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Local tax withholding</b></TD><TD>LOCAL_TAX_WITHHOLDING</TD><TD>SPOUSE_LOCAL_TAX_WITHHOLDING</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Other taxes and withholdings</b></TD><TD>OTHER_TAXES_AND_WITHHOLDINGS</TD><TD>SPOUSE_OTHER_TAXES_AND_WITHHOLDINGS</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;F I C A</b></TD><TD>FICA</TD><TD>SPOUSE_FICA</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Medicare</b></TD><TD>MEDICARE</TD><TD>SPOUSE_MEDICARE</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Insurance and benefits</b></TD><TD>INSURANCE_AND_BENEFITS</TD><TD>SPOUSE_INSURANCE_AND_BENEFITS</TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Company retirement savings plan</b></TD><TD>COMPANY_SAVINGS_PLAN</TD><TD>SPOUSE_COMPANY_SAVINGS_PLAN</TD></TR> <TR><TD><b>Net Check</b></TD><TD>NET_CHECK</TD><TD>SPOUSE_NET_CHECK</TD></TR> <TR><TD><b>Other income</b></TD><TD>OTHER_INCOME OTHER_INCOME_PAID_TEXT</TD><TD>&NBSP;</TD></TR> </table></TD></TR></TABLE> <P><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5><TR><TD COLSPAN=6 BGCOLOR='CCCCCC'><CENTER><b>Your total monthly expense is TOTAL_EXPENSES</B></CENTER></TD></TR> <TR BGCOLOR='CCCCCC'> <TD><CENTER><b>&NBSP;</B></CENTER></TD> <TD COLSPAN=2><CENTER><b>Your Payments</B></CENTER></TD> <TD COLSPAN=2><CENTER><b>Target Payments</B></CENTER></TD> <TD><CENTER><b>Difference</B></CENTER></TD> </TR> <TR BGCOLOR='CCCCCC'> <TD><CENTER><b>&NBSP;</B></CENTER></TD> <TD><CENTER><b>%</B></CENTER></TD> <TD><b>Amount</B></TD> <TD><CENTER><b>%</B></CENTER></TD> <TD><b>Amount</B></TD> <TD><CENTER><b>&NBSP;</B></CENTER></TD> </TR> <TR><TD COLSPAN=6><b>&NBSP;</b></TD></TR> <TR><TD COLSPAN=6><b>Monthly House Expenses</b></TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;House payment</b></TD><TD>PERCENT_HOUSE_PAYMENT</TD> <TD>YOUR_HOUSE_PAYMENT</TD> <TD>TARGET_HOUSE_PAYMENT</TD><TD>TARGET_AMOUNT_HOUSE_PAYMENT</TD> <TD>DIFFERENCE_HOUSE_PAYMENT</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Home maintenance</b></TD><TD>PERCENT_HOME_MAINTAINCE</TD> <TD>YOUR_HOME_MAINTAINCE</TD> <TD>TARGET_HOME_MAINTAINCE</TD><TD>TARGET_AMOUNT_HOME_MAINTAINCE</TD> <TD>DIFFERENCE_HOME_MAINTAINCE</TD> </TR> <!--ADDITIONAL <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;MSG_YOUR_ADDITIONAL1</b></TD><TD>PERCENT_ADDITIONAL1</TD> <TD>YOUR_ADDITIONAL1</TD> <TD>TARGET_ADDITIONAL1</TD><TD>TARGET_AMOUNT_ADDITIONAL1</TD> <TD>DIFFERENCE_ADDITIONAL1</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;MSG_YOUR_ADDITIONAL2</b></TD><TD>PERCENT_ADDITIONAL2</TD> <TD>YOUR_ADDITIONAL2</TD> <TD>TARGET_ADDITIONAL2</TD><TD>TARGET_AMOUNT_ADDITIONAL2</TD> <TD>DIFFERENCE_ADDITIONAL2</TD> </TR> ADDITIONAL--> <TR><TD COLSPAN=6><b>&NBSP;</b></TD></TR> <TR><TD><b>Auto payment</b></TD><TD>PERCENT_AUTO_PAYMENT</TD> <TD>YOUR_AUTO_PAYMENT</TD> <TD>TARGET_AUTO_PAYMENT</TD><TD>TARGET_AMOUNT_AUTO_PAYMENT</TD> <TD>DIFFERENCE_AUTO_PAYMENT</TD> </TR> <TR><TD><b>Second auto payment</b></TD><TD>PERCENT_AUTO_PAYMENT_2</TD> <TD>YOUR_AUTO_PAYMENT_2</TD> <TD>TARGET_AUTO_PAYMENT_2</TD><TD>TARGET_AMOUNT_AUTO_PAYMENT_2</TD> <TD>DIFFERENCE_AUTO_PAYMENT_2</TD> </TR> <TR><TD><b>Credit card payments</b></TD><TD>PERCENT_CREDIT_CARD_PAYMENTS</TD> <TD>YOUR_CREDIT_CARD_PAYMENTS</TD> <TD>TARGET_CREDIT_CARD_PAYMENTS</TD><TD>TARGET_AMOUNT_CREDIT_CARD_PAYMENTS</TD> <TD>DIFFERENCE_CREDIT_CARD_PAYMENTS</TD> </TR> <TR><TD COLSPAN=6><b>&NBSP;</b></TD></TR> <TR><TD COLSPAN=6><b>Utilities</b></TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Electricity</b></TD><TD>PERCENT_ELECTRIC</TD> <TD>YOUR_ELECTRIC</TD><TD>TARGET_ELECTRIC</TD><TD>TARGET_AMOUNT_ELECTRIC</TD> <TD>DIFFERENCE_ELECTRIC</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Gas</b></TD><TD>PERCENT_GAS</TD> <TD>YOUR_GAS</TD><TD>TARGET_GAS</TD><TD>TARGET_AMOUNT_GAS</TD> <TD>DIFFERENCE_GAS</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Sewer and water</b></TD><TD>PERCENT_SEWER</TD> <TD>YOUR_SEWER</TD><TD>TARGET_SEWER</TD><TD>TARGET_AMOUNT_SEWER</TD> <TD>DIFFERENCE_SEWER</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Cable</b></TD><TD>PERCENT_CABLE</TD> <TD>YOUR_CABLE</TD><TD>TARGET_CABLE</TD><TD>TARGET_AMOUNT_CABLE</TD> <TD>DIFFERENCE_CABLE</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Telephone</b></TD><TD>PERCENT_TELEPHONE</TD> <TD>YOUR_TELEPHONE</TD><TD>TARGET_TELEPHONE</TD><TD>TARGET_AMOUNT_TELEPHONE</TD> <TD>DIFFERENCE_TELEPHONE</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Internet</b></TD><TD>PERCENT_INTERNET</TD> <TD>YOUR_INTERNET</TD><TD>TARGET_INTERNET</TD><TD>TARGET_AMOUNT_INTERNET</TD> <TD>DIFFERENCE_INTERNET</TD> </TR> <TR><TD COLSPAN=6><b>&NBSP;</b></TD></TR> <TR><TD><b>Food</b></TD><TD>PERCENT_FOOD</TD><TD>YOUR_FOOD</TD> <TD>TARGET_FOOD</TD><TD>TARGET_AMOUNT_FOOD</TD> <TD>DIFFERENCE_FOOD</TD> </TR> <TR><TD><b>Auto gas and maintenance</b></TD><TD>PERCENT_AUTO</TD> <TD>YOUR_AUTO_GAS_AND_MAINTENANCE</TD> <TD>TARGET_AUTO</TD><TD>TARGET_AMOUNT_AUTO</TD> <TD>DIFFERENCE_AUTO</TD> </TR> <TR><TD><b>General merchandise</b></TD><TD>PERCENT_GENERAL_MERCHANDISE</TD> <TD>YOUR_GENERAL_MERCHANDISE</TD> <TD>TARGET_GENERAL_MERCHANDISE</TD><TD>TARGET_AMOUNT_GENERAL_MERCHANDISE</TD> <TD>DIFFERENCE_GENERAL_MERCHANDISE</TD> </TR> <TR><TD><b>Donations</b></TD><TD>PERCENT_DONATIONS</TD> <TD>YOUR_DONATIONS</TD> <TD>TARGET_DONATIONS</TD><TD>TARGET_AMOUNT_DONATIONS</TD> <TD>DIFFERENCE_DONATIONS</TD> </TR> <TR><TD COLSPAN=6><b>&NBSP;</b></TD></TR> <TR><TD COLSPAN=6><b>Insurance</b></TD></TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Auto</b></TD><TD>PERCENT_AUTO_INSURANCE</TD> <TD>YOUR_AUTO_INSURANCE</TD> <TD>TARGET_AUTO_INSURANCE</TD><TD>TARGET_AMOUNT_AUTO_INSURANCE</TD> <TD>DIFFERENCE_AUTO_INSURANCE</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Life</b></TD><TD>PERCENT_LIFE</TD> <TD>YOUR_LIFE</TD> <TD>TARGET_LIFE</TD><TD>TARGET_AMOUNT_LIFE</TD> <TD>DIFFERENCE_LIFE</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Health</b></TD><TD>PERCENT_HEALTH</TD> <TD>YOUR_HEALTH</TD> <TD>TARGET_HEALTH</TD><TD>TARGET_AMOUNT_HEALTH</TD> <TD>DIFFERENCE_HEALTH</TD> </TR> <TR><TD><b>&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;&NBSP;Home</b></TD><TD>PERCENT_HOME_INSURANCE</TD> <TD>YOUR_HOME_INSURANCE</TD> <TD>TARGET_HOME_INSURANCE</TD><TD>TARGET_AMOUNT_HOME_INSURANCE</TD> <TD>DIFFERENCE_HOME_INSURANCE</TD> </TR> <TR><TD><b>Medical expenses</b></TD><TD>PERCENT_MEDICAL</TD> <TD>YOUR_MEDICAL</TD> <TD>TARGET_MEDICAL</TD><TD>TARGET_AMOUNT_MEDICAL</TD> <TD>DIFFERENCE_MEDICAL</TD> </TR> <TR><TD><b>Travel and entertainment</b></TD><TD>PERCENT_TRAVEL_AND_ENTERTAINMENT</TD> <TD>YOUR_TRAVEL_AND_ENTERTAINMENT</TD> <TD>TARGET_TRAVEL_AND_ENTERTAINMENT</TD><TD>TARGET_AMOUNT_TRAVEL_AND_ENTERTAINMENT</TD> <TD>DIFFERENCE_TRAVEL_AND_ENTERTAINMENT</TD> </TR> <TR><TD><b>Gift expense</b></TD><TD>PERCENT_GIFT_EXPENSE</TD> <TD>YOUR_GIFT_EXPENSE</TD> <TD>TARGET_GIFT_EXPENSE</TD><TD>TARGET_AMOUNT_GIFT_EXPENSE</TD> <TD>DIFFERENCE_GIFT_EXPENSE</TD> </TR> <TR><TD><b>Bank service charges</b></TD><TD>PERCENT_BANK_SERVICE_CHARGE</TD> <TD>YOUR_BANK_SERVICE_CHARGE</TD> <TD>TARGET_BANK_SERVICE_CHARGE</TD><TD>TARGET_AMOUNT_BANK_SERVICE_CHARGE</TD> <TD>DIFFERENCE_BANK_SERVICE_CHARGE</TD> </TR> <TR><TD><b>School or daycare</b></TD><TD>PERCENT_SCHOOL_OR_DAYCARE</TD> <TD>YOUR_SCHOOL_OR_DAYCARE</TD> <TD>TARGET_SCHOOL_OR_DAYCARE</TD><TD>TARGET_AMOUNT_SCHOOL_OR_DAYCARE</TD> <TD>DIFFERENCE_SCHOOL_OR_DAYCARE</TD> </TR> <!--CHURCH_SUMMARY--> <TR><TD><b>Other</b></TD><TD>PERCENT_OTHER</TD> <TD>YOUR_OTHER</TD> <TD>TARGET_OTHER</TD><TD>TARGET_OTHER</TD> <TD>DIFFERENCE_OTHER</TD> </TR> <TR><TD COLSPAN=6><b>&NBSP;</b></TD></TR> <TR><TD><b>Total expenses</b></TD><TD>PERCENT_TOTAL_EXPENSES</TD> <TD>TOTAL_EXPENSES</TD> <TD>TARGET_TOTAL_EXPENSES</TD><TD>TARGET_AMOUNT_TOTAL_EXPENSES</TD> <TD>DIFFERENCE_TOTAL_EXPENSES</TD> </TR> <TR><TD><b>Total available for savings</b></TD><TD>PERCENT_AMOUNT_ABLE_TO_PUT_INTO_SAVINGS</TD> <TD>TOTAL_AVAILABLE_FOR_SAVINGS</TD> <TD>TARGET_SAVINGS</TD><TD>TARGET_AMOUNT_SAVINGS</TD> <TD>DIFFERENCE_SAVINGS</TD> </TR> </TABLE></TD></TR></TABLE> <P><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5><TR BGCOLOR='CCCCCC'><TD COLSPAN=3 ><CENTER><b>Breakdown of your annual gross income of YEARLY_GROSS_INCOME</B></CENTER></TD></TR> <TR BGCOLOR='CCCCCC'> <TD WIDTH=70%><CENTER><b>&NBSP;</B></CENTER></TD> <TD WIDTH=15%><CENTER><b>%</B></CENTER></TD> <TD WIDTH=15%><CENTER><b>Annual Amount</B></CENTER></TD> </TR> <TR><TD WIDTH=70%><b>Total taxes</b></TD> <TD WIDTH=15%>PERCENT_TAXES_PAID</TD> <TD WIDTH=15%>YEARLY_TAXES</TD> </TR> <TR><TD WIDTH=70%><b>Company benefits</b></TD> <TD WIDTH=15%>PERCENT_COMPANY_BENEFITS</TD> <TD WIDTH=15%>YEARLY_PAID_FOR_COMPANY_BENEFITS</TD> </TR> <TR><TD WIDTH=70%><b>Company retirement savings plan</b></TD> <TD WIDTH=15%>PERCENT_COMPANY_SAVINGS_PLAN</TD> <TD WIDTH=15%>YEARLY_PAID_INTO_COMPANY_SAVINGS_PLAN</TD> </TR> <TR><TD WIDTH=70%><b>Expenses paid</b></TD> <TD WIDTH=15%>PERCENT_EXPENSES_PAID</TD> <TD WIDTH=15%>YEARLY_EXPENSES</TD> </TR> <TR><TD WIDTH=70%><b>Available for savings</b></TD> <TD WIDTH=15%>PERCENT_AVAILABLE_FOR_SAVINGS</TD> <TD WIDTH=15%>YEARLY_AVAILABLE_FOR_SAVINGS</TD> </TR> <TR><TD WIDTH=70%><b>Debt ratio</b></TD> <TD WIDTH=15%>DEBT_RATIO</TD> <TD WIDTH=15%>&NBSP;</TD> </TR> </TABLE></TD></TR></TABLE> </CENTER> <BR> <BR> <HR SIZE=1> <CENTER><P class=footer> 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 cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Your income</B><DD>Your total gross income from your paycheck.<P> <DT><B>Other income</B><DD>Any other income that you receive including bonuses, alimony, child support or income from a business.<P> <DT><B>Federal tax withholding</B><DD>Total amount withheld for federal taxes. Enter this amount from your pay stub.<P> <DT><B>State tax withholding</B><DD>Total amount withheld for state taxes. Enter this amount from your pay stub.<P> <DT><B>Local tax withholding</B><DD>Total amount withheld for local taxes. Enter this amount from your pay stub.<P> <DT><B>Other taxes and withholdings</B><DD>Total amount withheld for any other taxes or miscellaneous item. Enter this amount from your pay stub.<P> <DT><B>FICA</B><DD>Total withheld for FICA (Federal Insurance Contributions Act) is based on the gross income on your paycheck.<P> <DT><B>Medicare</B><DD>Total withheld for Medicare based on the gross income on your paycheck.<P> <DT><B>Insurance and benefits</B><DD>Total amount withheld for insurance and benefits by your employer. Enter this amount from you pay stub.<P> <DT><B>Company retirement savings plan</B><DD>Total amount withheld from your paycheck that is deposited into a company retirement savings plan such as a 401(k) or 403(b). <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> 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 cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>