Starting a New Job

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Starting a new job can be an exciting and stressful time. At Heritage, we have tools to help you in this transition period. Use our Home Budget Analyzer to help guide you through this new phase of life.

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Home Budget Analyzer

Assumptions

Monthly or annual figures?

Home

Mortgage payment or rent ($)

Household repairs and maintenance ($)

Utilities ($)

Major home improvements and furnishings ($)

Homeowners (renters) insurance ($)

Transportation

Automobile loan(s) ($)

Automobile expenses (gas, repairs, etc.) ($)

Automobile insurance ($)

Other transportation expenses ($)

Taxes

Federal income taxes ($)

State income taxes ($)

FICA (social security taxes) ($)

Real estate taxes ($)

Other taxes ($)

Debts

Personal loan(s) ($)

Charge accounts ($)

Necessities

Food ($)

Clothing and laundry ($)

Educational expenses ($)

Child care ($)

Life insurance premiums ($)

Medical, dental and disability insurance ($)

Leisure

Vacation home (mortgage) ($)

Entertainment and dining ($)

Recreation and travel ($)

Club dues ($)

Hobbies ($)

Misc

Gifts ($)

Professional services ($)

Charitable contributions ($)

Other and miscellaneous expenses ($)

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Single
Income	Federal Tax Rate
$0-$10,275	10%
$10,276-$41,775	12%
$41,776-$89,075	22%
$89,076-$170,050	24%
$170,051-$215,950	32%
$215,951-$569,900	35%
$539,901+	37%

Head of Household
Income	Federal Tax Rate
$0-$14,650	10%
$14,651-$55,900	12%
$55,901-$89,050	22%
$89,051-$170,050	24%
$180,051-$215,950	32%
$215,951-$539,900	35%
$539,901+	37%

Married, Filing Jointly
Income	Federal Tax Rate
$0-$20,550	10%
$20,551-$83,550	12%
$83,551-$178,150	22%
$178,151-$340,100	24%
$340,100-$431,900	32%
$431,901-$647,850	35%
$647,851+	37%

Married, Filing Separately
Income	Federal Tax Rate
$0-$10,275	10%
$10,276-$41,775	12%
$41,776-$89,075	22%
$89,076-$170,050	24%
$170,051-$245,950	32%
$215,951-$323,925	35%
$323,926+	37%

Type	Residence	Tuition & Fees	With Room & Board
Public 4yr	Residence: In-state	Tuition & Fees: $10,740	With Room & Board: $22,690
Public 4yr	Residence: Out-of-State	Tuition & Fees: $27,560	With Room & Board: $39,510
Public 2yr	Residence: In-State	Tuition & Fees: $3,800	With Room & Board: $13,130
Private 4yr	Residence: N/A	Tuition & Fees: $38,700	With Room & Board: $51,690

Inflation		2.9%
U.S. Treasury Bills		3.3%
Long-Term Government Bonds		5.7%
U.S. Large-Company Stocks		10.3%
U.S. Small-Company Stocks		11.8%

Year	Inflation Rate
2012		2.1%
2013		1.5%
2014		1.6%
2015		0.1%
2016		1.3%
2017		2.1%
2018		2.4%
2019		1.8%
2020		1.2%
2021		4.7%