Expense estimator

Work through each category to build a complete picture of your spending, then apply the total to your retirement plan.

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Annual
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Sign in to save your expense scenarios.
Housing & Utilities—

Your home costs are typically the largest single expense. Include everything related to where you live.

Rent / Mortgage
Monthly payment to landlord or lender
$
Property Taxes
If not escrowed in your mortgage
$
Home / Renters Insurance
Annual premium
$
HOA / Condo Fees
Homeowners association dues
$
Electricity
Average monthly electric bill
$
Gas / Heating
Natural gas, heating oil, or propane
$
Water & Sewer
Average monthly water bill
$
Internet
Home broadband service
$
Mobile Phone Plan
Cell plan(s) for all household members
$
Home Maintenance & Repairs
Rule of thumb: ~1% of home value per year
$
Cleaning / Housekeeping
Professional cleaning services, if applicable
$
Other Housing
Storage unit, second home costs, etc.
$
Transportation—

Getting around: vehicles, commuting, and travel-related costs.

Car Payment(s)
Monthly loan or lease payments on all vehicles
$
Car Insurance
All vehicles combined
$
Gas / Fuel
Average monthly fuel spend
$
Parking & Tolls
Including regular work parking
$
Vehicle Maintenance
Oil changes, tires, repairs, inspections (annual)
$
Registration & License Fees
Annual vehicle registration and tags
$
Public Transit
Bus, subway, commuter rail, or ferry passes
$
Rideshare / Taxi
Uber, Lyft, and similar services
$
Bike / Scooter Rentals
Bike-share or e-scooter memberships
$
Food & Dining—

Everything you eat and drink — from groceries to restaurants. Food costs are often underestimated.

Groceries
Include household supplies bought at grocery stores
$
Dining Out
Restaurants, fast food, and takeout
$
Coffee Shops
Daily coffee, café visits
$
Meal Delivery Services
DoorDash, UberEats, GrubHub, etc.
$
Meal Kit Subscriptions
HelloFresh, Blue Apron, etc.
$
Work Lunches
Lunches purchased near work
$
Alcohol & Bars
If not already captured above
$
Healthcare & Wellness—

Health-related costs — often underestimated, especially before Medicare at age 65.

Health Insurance Premiums
Your share only (not employer contribution)
$
Dental Insurance
Dental plan premium
$
Vision Insurance
Vision plan premium
$
Out-of-Pocket Medical
Copays, deductibles, lab fees, urgent care (annual estimate)
$
Prescriptions
Regular medications not fully covered by insurance
$
Dental & Vision Care
Cleanings, glasses, contacts, procedures out-of-pocket
$
Gym / Fitness Membership
Gym, yoga, CrossFit, fitness classes
$
Mental Health / Therapy
Therapist, psychiatrist, or mental health apps
$
Other Wellness
Massage, chiropractic, supplements, etc.
$
Personal & Family—

Clothing, personal care, children, pets, and family obligations.

Clothing & Shoes
For all household members (annual)
$
Personal Care
Haircuts, salon, cosmetics, grooming products
$
Childcare / Daycare
If applicable
$
School Tuition & Fees
K–12 private school, extracurriculars, school supplies (annual)
$
College / Student Loans
Tuition or loan repayments
$
Pet Food & Supplies
Food, treats, toys, litter
$
Pet Vet & Grooming
Vet visits, grooming appointments, medications (annual)
$
Gifts & Celebrations
Birthdays, holidays, weddings, graduations (annual)
$
Alimony / Child Support
If applicable
$
Elder Care / Family Support
Financial support for parents or other relatives
$
Entertainment & Lifestyle—

Fun, hobbies, travel, and leisure — the things that make life enjoyable.

Streaming Services
Netflix, Hulu, Disney+, Spotify, Apple TV+, HBO Max, etc.
$
Cable / Satellite TV
Traditional TV package, if applicable
$
Hobbies & Recreation
Sports equipment, crafts, gaming, outdoor activities
$
Travel & Vacations
Flights, hotels, rental cars, cruises (annual)
$
Books, Games & Media
Physical and digital purchases
$
Concerts, Sports & Events
Tickets to live events (annual)
$
Gym / Recreation Clubs
Country clubs, golf, tennis memberships (if not in Healthcare)
$
Alcohol & Social Outings
Bars and social events not captured elsewhere
$
Financial & Other—

Insurance products, professional fees, giving, and catch-all for anything else.

Life Insurance
Term or whole life premiums
$
Disability Insurance
If not fully employer-paid
$
Long-Term Care Insurance
Often relevant for retirement planning
$
Umbrella / Other Insurance
Any other insurance policies
$
Charitable Giving
Churches, nonprofits, recurring pledges (annual)
$
Professional Subscriptions
LinkedIn Premium, software, newspaper subscriptions
$
Tax Preparation / Accounting
CPA, tax software fees (annual)
$
Legal Fees
Attorney fees, estate planning (annual)
$
Bank Fees & Credit Card Interest
Monthly fees or interest if carrying balances
$
Miscellaneous / Other
Anything that doesn't fit the above categories
$
Monthly total
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Annual total
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Remember: these are your current expenses. In the calculator you can set a retirement spending % to model how spending changes after you stop working — many people spend 70–90% of their pre-retirement expenses.