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posted by Example-BoldBirchOtter · 5/8/2026Example
Family of 4, $5.5k/mo take-home
Two kids, one in daycare. Daycare is the new mortgage. Mortgage is the old mortgage. Roast me on the dining number — I know.
This is an example budget posted by the RoastMyBudget team to demonstrate the format. Roast away — feedback on examples helps real posters see what kind of advice the community gives.
Income/mo
$5,500
Expenses
$5,500
Net
$0
Household: 2 adults, 2 kids
Expenses
- Mortgage$1,850
- Childcaredaycare for the toddler$1,400
- Groceries$700
- Dining$380
- Utilities$220
- Transporttwo cars, one paid off$280
- Insuranceauto + life$175
- Subscriptions$90
- Phone$130
- Kidsclothes/activities$150
- Savings$100
- Misc$25
Income
- Take-home pay$5,500
Where it goes
Mortgage$1,850 · 34%
Childcare$1,400 · 25%
Groceries$700 · 13%
Dining$380 · 7%
Transport$280 · 5%
Utilities$220 · 4%
Insurance$175 · 3%
Kids$150 · 3%
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