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Retirement Budget Worksheet


Here are the common categories that should be included on any retirement budget worksheet. Customize to add your own, then input into an Excel spreadsheet.  Here is a budget worksheet  that you can adapt.

Property taxes
Income taxes Federal
Income taxes State
Home Insurance
Home Maintenance
Auto Maintenance
Life Insurance
Car insurance
Health Insurance and copays
Credit card misc
Home heating
Cell phone
Pet expenses
Health Club or Exercise classes
Condo fees

Total Expenses

Social Security
Income from 401k, IRA’s, etc.
Profit from business
Interest and Dividends

Total Income

Net: Income-Expenses

Note: If expenses are greater than income – start adjusting. Add more income or reduce expenses, or both. You can do it!

Posted by John Brady on March 7th, 2011


  1. […] gifts, your expenses might actually be higher. (To help you get started, here is a link to a list of typical expenses that you should copy into an Excel spread […]

    by » My Wife is Getting Worried…Will We Have Enough Money in Retirement? Topretirements — March 7, 2011

  2. Good, simple things to be aware of! It’s nice to be reminded of them!

    by Greg — March 10, 2011

  3. […] a detailed budget of your income and expenses, so you know what you are dealing with. Here is a sample budget 3. Work on your bucket lists. You and your significant other need to write down what you want to […]

    by » Our Best and Worst Tips for the Newly Retired Topretirements — March 14, 2011

  4. […] there are a lot of things you can do besides wringing your hands and complaining. Here is a sample Worksheet you can use to suggest typical expenses and income […]

    by » Can You Afford to Retire? And What to Do if You Don’t Like the Answer Topretirements — March 13, 2012

  5. […] 8. Figure our your retirement budget – before you retire. Too many people enter retirement without a clear idea of how much they can safely spend while relying on their income and savings. List all your expenses, assets, and income. When you arrive at the figure you can spend, stick with it. If you raid the piggy bank too often you will probably find yourself eating beans at the end of your life. See our “Retirement Budget Worksheet” […]

    by » Does Your Financial IQ Put Your Retirement at Risk? Topretirements — July 30, 2013

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