Ok, I don't know how to make it pretty like your example, but here's the best I could do and my numbers are the best I can do. Hubs works OT at least 1-3 x a mo so the income fluctuates a bit, also mine fluctuates a bit but overall it's close. I 'm sure I've left some stuff out too but this is a very good general idea.
Category Monthly Comments Annual Used May 2017
Salary/Wages for earner #1 $9,872 $118,464
Pretax Health Ins. $222 $2,664
Pretax Vision/Dental Ins. $22 $264
FICA base salary/wages $9,628.00 $115,536
Traditional IRA $0.00 At maximum $0
401(k) / 403(b) / TSP / etc. $0 Available? $0
Employer Match $543.00 $6,516
Subtotal 1 $9,628 $115,536
ESPP/After-tax 401k $1,481 $17,771
Life/LTD Insurance $34 $410
Subtotal 2 $8,113 $97,355
Schedule C net profit $2,040 $24,480
Taxable Interest $5 $60
Rental income $3,100 $37,200
Rental real expenses $1,700 deduct from rents to cover T&I $20,400
Rental depreciation expense $0 not sure what to put here/I've Em'd tax acct $0
Rental taxable income $1,400 our taxes show us at a loss, not income $16,800
Federal Total Income (for IRS tax) $13,073.00 $156,876 nope, 1040 shows 123K grosslast yr
Federal tax $2,008 2017 rates, MFJ, item. ded., 2 exempt. $24,101
State/City tax $0 Guess, using 0.00% * (AGI - Exempt'n) $0
Soc. Sec. tax $596.94 Assumes 2 earners paying $7,163
Medicare tax $139.61 $1,675
Medicare premium $0 $0
Self-employment Tax $288 $3,459
Total income taxes $3,033 $36,398.85
Income before other expenses $8,524.69 $102,296
Monthly Average Expenses:
Mortgage $1,271 Input to Itemized Deductions $15,252
HOA $46 $552
Property Tax $500 Input to Itemized Deductions $6,000
Mortgage Insurance $70 $840
Home/Rent Insurance $43 $516
Beauty Shop $30 $360
Car Insurance $107 $1,284
Car Maintenance, Registration, etc. $20 $240
Charitable contributions $30 Input to Itemized Deductions $360
Christmas/Holidays $60 $720
Clothing/Shoes $60 $720
Computer stuff $20 $240
Dining (Lunch/Dinner/Etc.) $400 $4,800
Gifts (not charity) $10 $120
Gym $100 $1,200
Electricity $174 also water and trash $2,088
Emergency Fund $450 Start putting this deposit into taxable acct $5,400
Entertainment $100 $1,200
Financial Fees $25 Input to Itemized Deductions $300
Fuel/Public Transport $100 $1,200
Gas/Oil for heating $30 $360
Groceries $700 can trim some fat here $8,400
Hair Care $0 $0
Internet $70 $840
Life Insurance $84 can cx this $1,008
Medical (Doctor, Hospital, $100 Input to Itemized Deductio $1,200
Medicine (OTC + Prescript) $20 Input to Itemized Deductions $240
Miscellaneous $100 $1,200
Phone (cell) $120 find cheaper? $1,440
Travel/Vacation $300 $3,600
Umbrella Insurance $0 look into this for rentals unless we sell $0
Wine/Beer/Tobacco $40 $480
Work/Professional fees $50 $600
Non-mortgage total $3,959 $47,508
Loans: $0 $0
Bradley LN $955 Not sure where to put rental mtg so put it here $11,460
0 $0 $0
0 $0 $0
0 $0 $0
0 $0 $0
Total Expense $6,185 $74,220
Total to invest $2,340 $28,076
Additional Mortgage Principal $0 $0
Additional Loan payments $400 pd on bradley ln-higher rate and rents are 1400 so pay all on mtg $4,800
Available for taxable investment: $1,940 $23,276
Summary:
"Gross" income $13,317.00 $159,804
Income taxes (this is about a 20% bracket?) $3,033 tax return states 25% taxes $36,399
After-tax income $10,284 $123,405
ESPP+529/other $1,481 $17,771
Living expenses $5,508 $66,098
Non-mortgage loans(this is rental hs loan) $955 $11,460
After-tax investable $2,340 $28,076
Time to FI?: $0
Extra income after RE (pension, SS, etc.) $3,500 /year- guesstimate
Time to FIRE 5 years
Safe Withdrawal Rate 4.0% percent
Real return on tax-deferred investments 5.00% percent
Real, after tax, return on taxable investments4.25% percent
Expected retirement total tax rate 15%
Current Savings 0%
Taxable $380,000 home(s) equity+some cash
Tax-deferred (e.g. trad. IRA/401k) $242,000
Roth + HSA $95,000
Projected Savings at Retirement 0
Taxable 691350.2
Tax-deferred (e.g. trad. IRA/401k) 344865.2
Roth + HSA 121246.7
Total projected stash 1157462.1
Projected Expenses in Retirement
Non-loan, non-work expenses $35,448
Change in spending after RE $0 is this an amount I think we'll spend?
Annual non-tax retirement expense $35,448
Income taxes $6,256
Total $41,704
Total loan principal due at FI $293,986
Stash needed for retirement @4.0% SWR $1,249,075
Need $91,612 more.