Budget Tracker
Income · Expenses · Cash Flow
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Federal W-4

Step 1 — Employee Information
$
Pre-tax base salary from your W-2. Bonuses entered on the Income tab.
Used for both federal tax liability and withholding table selection.
Pre-Tax Deductions (per paycheck)
%
% of gross pay — pre-tax, reduces taxable income.
%
e.g. 50% = employer adds $0.50 for every $1 you contribute.
$
Your share of employer medical plan premiums per paycheck.
$
$
$
Employee-paid portion of employer group life insurance.
Step 2 — Multiple Jobs
Step 3 — Claim Dependents
Each counts as $2,000 child tax credit.
Each counts as $500 credit (other children, adult dependents).
Step 4 — Other Adjustments (Optional)
$
Interest, dividends, retirement income not subject to withholding.
$
Only if itemizing and your itemized total exceeds the standard deduction.
$
Additional amount withheld each paycheck to cover a tax shortfall.

Federal Withholding Estimate

Enter your W-2 salary to see your federal estimate.
Estimated Tax Liability —
Estimated Annual Withholding —
Per-Paycheck Withholding —
Effective Federal Rate —
Marginal Rate —
—
Pre-Tax Deductions (Annual)
401(k) — Your contribution $0

State W-4

Some states use different brackets per filing status.
$
Additional state withholding to cover any shortfall.

State Withholding Estimate

Select your state to see your estimate.
Estimated State Tax —
Annual Withholding —
Per-Paycheck Withholding —
Effective State Rate —
—

Additional Income

W-2 salary, pay frequency, filing status, and pre-tax deductions are entered on the W-4 Calculator tab.
$
Expected annual bonus — added to your net monthly income.
$
Dividends, capital gains, or other investment income.

Paycheck Breakdown

✓ W-2 & tax rates sourced from W-4 Calculator
Total Gross Monthly Income
$0
/ month (before tax)
Total Gross Annual Income
$0
/ year
W2 Salary (Monthly)
$0
Bonus (Monthly Avg)
$0
Brokerage (Monthly)
$0
W-2 Withholdings (Monthly)
401(k) Contribution −$0
Health / Dental / Vision −$0
Federal Income Tax −$0
State Income Tax −$0
Social Security (6.2%) −$0
Medicare (1.45%+) −$0
W2 Net Take-Home $0 / mo
Other Income
Brokerage Income +$0
Total Net Monthly Income
$0
/ month → feeds Cash Flow tab

Year-to-Date Accumulation

Based on — paychecks through today.
401(k) Contributions YTD $0
0% of 2025 limit $23,500 limit
Health Premium YTD $0
Taxes Paid YTD
Federal Income Tax$0
State Income Tax$0
Social Security$0
Medicare$0
Total Taxes YTD $0

Full-Year Projection

Savings & Benefits
401(k) Annual $0
Health Premium Annual$0
Annual Tax Burden
Federal Income Tax$0
State Income Tax$0
Social Security$0
Medicare$0
Total Taxes $0

Household

$
Enter 0 or a valid amount.
$
Gas, electric, water, sewer, trash
Enter 0 or a valid amount.
$
Internet, phone, TV, streaming
Enter 0 or a valid amount.

Living Costs

$
Groceries and dining out
Enter 0 or a valid amount.
$
Enter 0 or a valid amount.
$
Transportation, health, education, activities, giving, loan payments
Enter 0 or a valid amount.

Custom Expenses

No custom expenses added yet.

Expense Summary

Total Monthly Expenses
$0
/ month
Projected Annual Spend
$0
current × 12
Spending Breakdown
Month History
Saved!
Saving a snapshot lets you track month-over-month trends in the history charts below.
🔒 Saved months and custom expense rows are stored in this browser only — nothing is uploaded. They persist after you close the tab, until you clear them with “Clear history”.

Month-over-Month History

No history yet — save a month above to start tracking.

Monthly Cash Flow Summary

Complete the Income and Expenses tabs to see your cash flow.
Net Monthly Income
$0
after tax take-home
Total Monthly Expenses
$0
all categories
Monthly Cash Flow
$0
income − expenses
Projected Annual Cash Flow
$0
monthly × 12
Budget Breakdown
CategoryMonthly
Net Monthly Income$0
− Housing$0
− Utilities$0
− Food$0
− Other$0
= Remaining Cash$0

Cash Flow History

Save monthly expenses on the Expenses tab to see cash flow history.

Year-End Tax Projection

Complete the W-4 Calculator tab to see your tax projection.
Combined Income Tax: Refund / Owe
$0
federal + state
Federal Delta
$0
—
State Delta
$0
—
Federal Effective Rate
0%
liability ÷ gross income
Federal Marginal Rate
0%
rate on next dollar earned

Income Used for Estimate

W-2 Salary—
Bonus—
Brokerage / Other Income—
Total Gross Income—
− Pre-Tax Deductions (401k + health)—
− Standard Deduction—
Federal Taxable Income—
Bonus & brokerage income included in federal estimate. State estimate uses W-4 salary only.

Tax Comparison: Liability vs. Withheld

Tax Annual Liability Annual Withheld Difference Eff. Rate
🇺🇸 Federal Income Tax — — — —
🏛️ State Income Tax — — — —
🔒 Social Security — — ✓ Exact —
🏥 Medicare — — ✓ Exact —
Total — — — —

Effective Tax Rates by Category

💹 Brokerage Sale Impact

$
Long-term gains taxed at 0% / 15% / 20% depending on income.

🏦 IRA Withdrawal Impact

$