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Home > Financial Resources > Calculators > Living Expenses

Living Expenses Guideline

Here are suggested percentage guidelines based on net income compiled by Dave Ramsey, author of Financial Peace which he says are only recommended percentages and will change dramatically if you have a very high or very low income. For instance, if you have a very low income your necessities percentages will be high. If you have a high income, your necessities will be a lower percentage or income and hopefully savings (not debt) will be higher than recommended.

Enter your net-income for whichever period of time you would like to translate the percentages into:

Expense	Range	Low End	High End
Charitable gifts	10-15%
Saving	5-10%
Housing	25-35%
Utilities	5-10%
Food	5-15%
Transportation	10-15%
Clothing	2-7%
Medical/Health	5-10%
Personal	5-10%
Recreation	5-10%
Debts	5-10%