Monthly expenses This is the total of all of your monthly expenses. Click on the button "Expenses Calc" to enter your monthly expenses. This includes your expenses for shelter, family, transportation, vacations, entertainment, loan payments, food, clothing, insurance and other miscellaneous items. Net monthly pay Input your income from your paycheque. Click on the button "Paycheque Calc" to enter the details of your paycheque and any deductions. You can enter your paycheque as well as your spouse's paycheque. Misc income Any other income that you receive can be entered here. Income breakdown Click on the "show my income breakdown" to view how your income is divided up between your income sources. Insurance and benefits Click on the radio button "show my monthly expenses" to view breakdown of your monthly expenses.