Budgets work with take-home pay: what's left after taxes, insurance and retirement contributions come out of your paycheck.
Find it
- Look at the net pay on your pay stub
- If you're paid every two weeks, you get 26 paychecks a year; two months each year have three
- If your income varies, budget with a low month, not an average
General educational information, not personal financial advice. The Thrift Ledger isn't paid by any bank, lender or budgeting app.