Will There Be Enough? thumbnail

Will There Be Enough?

What Comes In, What Goes Out, and What May Change

A Clear Financial Picture

Whether you manage your finances on your own or share a household and financial life with someone else, it helps to see your income, expenses, debts, and monthly cash flow together in one place. The app gives you that starting picture and can help show where things are working, where pressure points may be developing, and what deserves attention.

Privacy & Security
Your information stays with you.

Your entries are saved in this browser on this device so you can return later and make changes. Prepared does not receive or store the financial information you enter.

Data Safety
No account or sign-in is required
No tracking or analytics
No information you enter is collected, shared, sold, or used for advertising or marketing by Prepared
What this means in practice

Prepared cannot see the names, income, expenses, debts, balances, or results you enter. Your current working entries stay in this browser on your device. Editable WTBE scenario files are saved to the location you choose on your device. Prepared cannot see those files. You can double-click a saved scenario file to reopen it, or use Open a Saved Scenario inside WTBE.

One Person

For a one-person household, Will There Be Enough? is primarily a budgeting tool for the present. It brings monthly income, expenses, debts, and cash flow together so you can see where things stand today, where the pressure points may be, and what may deserve attention. It can also help you think through changes you already expect, but its main purpose is to give you a clear picture of your monthly finances now.

Two People

The app goes a step further. When two people depend on some of the same income, expenses, debts, or financial resources, losing one person can change the future monthly picture quickly. Will There Be Enough? creates a separate financial view for each person if the other passes first, helping you see what income may continue or change, which expenses and debts may remain, and whether a monthly cash-flow gap could develop. The goal is to uncover those pressure points while there is still time to plan for them.

Choose Your Household
The app will show only the pages and fields that apply.
One-person household? Select One Person above. The app will hide the fields that do not apply.
Enter Names or Initials
Names are optional, but they make the two-person projections easier to follow.
Start Here
Begin with Household Income Now, then follow the Next buttons through the app.
If a death has already occurred, the app can still help bring the current financial picture into focus. Use the amounts that best reflect what is coming in and being spent now. Some things may still be changing.
Returning to the app?
Go directly to the page you want.
Choose a saved WTBE scenario file. It will reopen here so you can review or change the entries.

Household Income Now

Enter monthly amounts. For income received quarterly or annually, use the average monthly amount.

Person A Monthly Amount
Person B Monthly Amount
Estimated Monthly Take-Home Pay
After taxes and other payroll deductions
What does “take-home pay” mean?
Use the amount actually available to the household after taxes and other payroll deductions have been taken out. Do not use gross pay, which is the amount before those deductions. If pay varies from month to month, use a reasonable monthly average.
$
$
Pension Income
Monthly
$
$
Monthly SSI, VA, Disability, Union, or Other Ongoing Cash Benefit
$
$
Monthly Social Security Amount Actually Deposited
Enter the amount that reaches the bank after any Medicare premiums, tax withholding, or other deductions taken from the Social Security payment.
$
$
Business or Self-Employment Income Available to the Household
Monthly amount
What amount belongs here?
Use the average monthly amount the business can regularly provide after business expenses. Income and self-employment taxes paid separately are entered later under Taxes Paid Separately.
$
$
Monthly Annuity Payment, if Any
$
$
Monthly Amount from an RMD or Other Retirement-Account Withdrawal
If this is not paid monthly
If the withdrawal is received quarterly or annually, enter its average monthly amount.
$
$
Monthly Digital or Online Income
If not already included in self-employment income
If this income is already listed elsewhere
If digital or online income is already included in Business or Self-Employment Income or another income line, it does not need to be entered again here.
$
$
Rental Income from Property Owned by One Person
What monthly amount should I enter?
If the rental property is owned by one person, use that person’s column for the average monthly amount left after the property’s regular expenses and mortgage payment are paid. If the property is jointly owned, the income may fit better under Joint or Shared Monthly Income Not Entered Above. The goal is simply to avoid counting the same rental income twice. If the amount isn’t clear, your tax preparer, accountant, or bookkeeper may be able to help calculate it.
$
$
Other Monthly Income for One Person
Use for income received by one person that has not already been entered above.
$
$
Joint or Shared Monthly Income Not Entered Above
Examples...
Examples include net income from jointly owned rental property, a joint investment account, or another source shared by both people. Enter it here only if it has not already been entered above.
Enter one shared monthly amount here, not one amount for each person.
$
Total Monthly Household Income Now$0

Income After One Person Passes First

This page is for two-person households only.Estimate each person’s projected monthly income if the other passes first.

If Person A Passes First: Person B’s Estimated Monthly Income

Scenario: Person A passes first. The amounts below are for Person B and estimate the monthly income Person B may have after Person A’s passing.
You are entering Person B’s information
Already Carried Forward
These amounts come from Household Income Now and are protected so the same income is not entered twice.
Person B’s Estimated Monthly Take-Home Pay (from Household Income Now)
Carried forward automatically from Current Household Income and already included in this estimate.
$
Person B’s Pension Income (from Household Income Now)
Monthly
Carried forward automatically from Current Household Income and already included in this estimate.
$
Person B’s Monthly SSI, VA, Disability, Union, or Other Ongoing Cash Benefit (from Household Income Now)
Carried forward automatically from Current Household Income and already included in this estimate.
$
Income That May Continue, Change, or Begin After One Person Passes
Estimate each income source below separately.
Person B’s Estimated Monthly Social Security Payment
How do I estimate this Social Security amount?
If Person B may qualify for both a current Social Security benefit and a survivor benefit, the two full payments are not added together. For a simple planning estimate, using the larger expected monthly amount is often a reasonable starting point. If Person B will still be working before full retirement age, earnings may also affect the amount paid. Wages and other income can affect how much of Social Security is taxable. Contact Social Security for the actual benefit amount and how these rules may apply.
$
Monthly Pension Survivor Income
What amount should I use?
Use the survivor amount expected from the pension plan, not the current pension payment. The plan administrator can confirm whether a survivor payment continues and at what amount.
$
Business or Self-Employment Income
Estimated Monthly Amount Available to Person B Afterward
$
Monthly Annuity Payment
Will this payment continue?
Enter only the monthly annuity payment expected to continue to the person shown. Survivor rights depend on the annuity contract.
$
Monthly RMD or Retirement-Account Withdrawal
What amount belongs here?
Enter the average monthly amount expected to continue or begin for the person shown without repeating an amount already entered elsewhere.
$
Monthly Digital or Online Income
$
Monthly Net Rental Income
What monthly amount should I enter?
Use the same approach described under Household Income Now, Rental Income from Property Owned by One Person. Enter the average monthly amount expected to continue for the person shown.
$
Monthly Joint or Shared Household Income
$
Monthly Income from a Renter or Housemate
What amount belongs here?
Enter the monthly amount you reasonably expect to receive. If the arrangement would add ongoing household costs, include those in the appropriate expense lines rather than subtracting them here. Before relying on this income, consider whether any mortgage, lease, HOA, insurance, or local rules could affect the arrangement.
$
Other Monthly Income
Use only for income not already carried forward or listed above.
$
Person B’s Estimated Total Monthly Income if Person A Passes First$0

If Person B Passes First: Person A’s Estimated Monthly Income

Scenario: Person B passes first. The amounts below are for Person A and estimate the monthly income Person A may have after Person B’s passing.
You are entering Person A’s information
Already Carried Forward
These amounts come from Household Income Now and are protected so the same income is not entered twice.
Person A’s Estimated Monthly Take-Home Pay (from Household Income Now)
Carried forward automatically from Current Household Income and already included in this estimate.
$
Person A’s Pension Income (from Household Income Now)
Monthly
Carried forward automatically from Current Household Income and already included in this estimate.
$
Person A’s Monthly SSI, VA, Disability, Union, or Other Ongoing Cash Benefit (from Household Income Now)
Carried forward automatically from Current Household Income and already included in this estimate.
$
Income That May Continue, Change, or Begin After One Person Passes
Estimate each income source below separately.
Person A’s Estimated Monthly Social Security Payment
How do I estimate this Social Security amount?
If Person A may qualify for both a current Social Security benefit and a survivor benefit, the two full payments are not added together. For a simple planning estimate, using the larger expected monthly amount is often a reasonable starting point. If Person A will still be working before full retirement age, earnings may also affect the amount paid. Wages and other income can affect how much of Social Security is taxable. Contact Social Security for the actual benefit amount and how these rules may apply.
$
Monthly Pension Survivor Income
What amount should I use?
Use the survivor amount expected from the pension plan, not the current pension payment. The plan administrator can confirm whether a survivor payment continues and at what amount.
$
Business or Self-Employment Income
Estimated Monthly Amount Available to Person A Afterward
$
Monthly Annuity Payment
Will this payment continue?
Enter only the monthly annuity payment expected to continue to the person shown. Survivor rights depend on the annuity contract.
$
Monthly RMD or Retirement-Account Withdrawal
What amount belongs here?
Enter the average monthly amount expected to continue or begin for the person shown without repeating an amount already entered elsewhere.
$
Monthly Digital or Online Income
$
Monthly Net Rental Income
What monthly amount should I enter?
Use the same approach described under Household Income Now, Rental Income from Property Owned by One Person. Enter the average monthly amount expected to continue for the person shown.
$
Monthly Joint or Shared Household Income
$
Monthly Income from a Renter or Housemate
What amount belongs here?
Enter the monthly amount you reasonably expect to receive. If the arrangement would add ongoing household costs, include those in the appropriate expense lines rather than subtracting them here. Before relying on this income, consider whether any mortgage, lease, HOA, insurance, or local rules could affect the arrangement.
$
Other Monthly Income
Use only for income not already carried forward or listed above.
$
Person A’s Estimated Total Monthly Income if Person B Passes First$0

Household ExpensesNow and Afterward

This section lets you look ahead at what each person’s monthly expenses may be if the other passes first. Combined with the income estimate, it helps show how well projected income and expenses may line up and where changes may be worth considering.

Using a Card for Household Expenses?

Enter expenses by category. Do this whether you pay by cash, debit card, or credit card.

If you pay a credit card in full each month, and those purchases are already entered below, that is all you need to record here.

If you normally pay more than the purchases already listed on this page, the extra portion of that payment can be entered on the next page, Debts.

Entering the same amount in both places would count it twice and throw off your results.

Housing

Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Mortgage or Rent Payment
Use the full monthly payment, including any property taxes or homeowners insurance included in the mortgage payment. In the afterward columns, enter the amount that fits the housing arrangement you want to test. For example, if you expect to move in with family and pay no rent or mortgage, enter $0.
If you want to explore a different housing arrangement
The afterward columns can reflect a different housing arrangement, such as staying in the home, selling and moving, sharing housing, or taking in a renter. Enter the mortgage or rent amount that fits the plan you want to examine, then adjust the related property tax, insurance, utilities, maintenance, and other housing costs below as needed. If a change would take time, use the costs that best fit the period you want to understand.
$
$
$
Property Taxes
Enter property taxes here only if they are not included in the mortgage payment.
$
$
$
Homeowners Insurance
Enter homeowners insurance here only if it is not included in the mortgage payment.
$
$
$
Renters Insurance
Enter the average monthly amount.
$
$
$
Flood / Earthquake Insurance
Enter the average monthly amount.
$
$
$
HOA / Condo Dues
$
$
$
Home Maintenance / Repairs, Monthly Average
$
$
$
Other Monthly Housing-Related Costs
$
$
$

Utilities and Communication

Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Electricity
$
$
$
Gas / Heating Fuel
$
$
$
Water / Sewer
$
$
$
Trash / Waste Collection
$
$
$
Person A’s Mobile Phone
$
$
$
Person B’s Mobile Phone
$
$
$
Caution: Before cancelling a phone line after a death, consider whether the number is still needed to receive verification codes, account-recovery messages, important calls, or voicemail. Keeping the number active for a time may help preserve access while accounts and services are being reviewed. It does not by itself provide authority to use another person’s accounts.
Internet
$
$
$
Alarm / Security Service
$
$
$
Other Utilities or Services
$
$
$

Insurance

Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Health Insurance
$
$
$
Medicare Premium, if Paid Separately
If Medicare is already deducted from Social Security
If you entered Social Security as the amount actually deposited after the Medicare premium was deducted, leave this line blank. Enter a Medicare premium here only if you pay it separately; otherwise, the same Medicare premium would be counted twice.
$
$
$
Long-Term Care Insurance
$
$
$
Auto Insurance
$
$
$
Life Insurance
$
$
$
Umbrella or Other Insurance
$
$
$

Transportation

Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Vehicle 1 Payment
$
$
$
Vehicle 2 Payment
$
$
$
Additional Vehicle Payment(s)
$
$
$
Fuel / Vehicle Charging
$
$
$
Vehicle Maintenance / Repairs
$
$
$
Vehicle Registration
$
$
$
Other Transportation Costs
What might belong here?
For example, parking, tolls, public transit, taxis, or rideshare costs not entered elsewhere.
$
$
$

Food & Household

Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Groceries
$
$
$
Dining Out
$
$
$
Household Supplies
$
$
$
Meal-Delivery / Meal-Kit Services
What belongs here?
Examples include DoorDash, Uber Eats, meal-kit subscriptions, ready-to-heat meal services, and other recurring takeout or prepared-food delivery not already included in Groceries or Dining Out.
$
$
$

Medical and Care

If a medical or care cost is paid quarterly, annually, or only occasionally, use a reasonable monthly average.
Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Out-of-Pocket Medical / Prescriptions
$
$
$
Dental / Vision
$
$
$
Long-Term Care or In-Home Care
$
$
$
Other Medical / Care Costs
$
$
$

Subscriptions & Recurring Services

Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Streaming / Entertainment Services
Examples...
This might include services such as Netflix, Hulu, Disney+, Amazon Prime Video, Spotify, Apple Music, SiriusXM, Audible, gaming subscriptions, cloud storage, software subscriptions, cable or satellite TV, online memberships, or other recurring entertainment and digital services.
$
$
$
News, Magazine & Online Publication Subscriptions
Examples...
This might include subscriptions to newspapers, magazines, online news sites, paid newsletters, Substack publications, Medium, Apple News+, or other digital publications.
$
$
$
Gym / Memberships
$
$
$
Lawn / Pool / Pest Control
$
$
$
Other Subscriptions or Recurring Services
Examples...
This might include Patreon or other creator memberships, paid online communities, specialty apps, or recurring services not listed above.
$
$
$

Personal / Other

Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Pet Care
$
$
$
Gifts / Contributions
$
$
$
Clothing / Personal Care
$
$
$
Savings / Money Set Aside for Future Needs
What belongs here?
For example, regular deposits to savings or an emergency fund. Do not include amounts already deducted from take-home pay.
$
$
$
Other Personal or Household Expenses
$
$
$

Taxes Paid Separately

Enter federal, state, or other taxes paid separately from household funds. If a payment is made quarterly or annually, use its average monthly amount. Do not include taxes already withheld from take-home pay or other income entered after withholding, and enter each separate tax payment only once.
Expense
Monthly Expenses Now
Person A’s Projected Monthly Expenses if Person B Passes First
Person B’s Projected Monthly Expenses if Person A Passes First
Federal Income / Estimated Tax Payments
$
$
$
State Income / Estimated Tax Payments
$
$
$
Other Taxes Paid Separately
$
$
$
Household Expenses Entered Above
Monthly Expenses Now
$0
Person A’s Projected Monthly Expenses if Person B Passes First
$0
Person B’s Projected Monthly Expenses if Person A Passes First
$0

Debt Balances and Monthly Payments

Enter debts and monthly payments here only when the payment has not already been included under Household Expenses. For two-person households, this page also lets you estimate the monthly payments that may remain if either person passes first.

Add Your Debts to Complete the Picture
The amounts you enter here are totaled automatically and included in What The Numbers Show. This gives you an easy way to tally debts and monthly payments that were not already included under Household Expenses. There, those debt payments are brought together with income and household expenses to show the bigger picture: where cash flow stands now and how it may look for each person afterward.
Need help finding accounts? A credit report can help identify debts that may have been missed. Free credit reports are available through AnnualCreditReport.com or by calling 1-877-322-8228.
Two ways to enter your debts
List debts separately: Use one row for each debt or account.
Quick estimate: Don’t want to list each debt separately? Use one row for your best estimate of the total debt balance and total monthly debt payments not already counted under Household Expenses. Enter Combined Debt Estimate as the account name. For a two-person household, estimate the monthly payment that may remain for each person afterward.
Credit-Card Balances: Read This Before Entering the Payment
If you use the credit card for groceries, gas, or other household expenses already entered under Household Expenses, list the card and its current balance. WTBE lets you list card names and balances and totals them for reference. Entering the balance is optional, but the total can be useful.
For the monthly payment, enter only the amount you would normally pay the credit-card company beyond the purchases you’ve already entered by category on the previous page. That avoids double counting.
If your usual payment is the same as or less than the card purchases already entered on the previous page, enter $0 here. This includes paying the card off each month or making only a minimum payment.
If the card is used only for purchases not already listed under Household Expenses, enter the usual monthly payment here.
Add Debts Not Already Included Under Household Expenses
If a monthly payment was entered on the previous page, it does not need to be entered again here. Entering it again will count the same payment twice.
Creditor or Account
Current Balance
Current Monthly Payment
Enter Person A’s Projected Monthly Payment if Person B Passes First
Enter Person B’s Projected Monthly Payment if Person A Passes First
The projected-payment boxes are not filled automatically. For each debt, enter the monthly payment you expect may remain for each person if the other passes first. Enter $0 or leave the box blank if you expect no payment to remain. Some debts may not become the other person’s responsibility after a death. Prepared: Just in Case explains in more detail which debts may still need to be paid, which may not become the other person’s responsibility, and who may be responsible for repayment.
Fillable Notes
Debt Totals
Total Current Balance — Debts Entered Above
$0
Total Monthly Payments Now — Debts Entered Above
$0
Person A’s Estimated Total Monthly Debt Payments if Person B Passes First
$0
Person B’s Estimated Total Monthly Debt Payments if Person A Passes First
$0

What The Numbers Show

This overview can also be a useful starting point for a conversation with a financial planner.

These results are estimates based on the amounts entered. Will There Be Enough? is a monthly cash-flow snapshot designed to help uncover potential gaps in future monthly finances and organize the numbers for a more complete planning conversation. It does not estimate how long savings, investments, retirement accounts, home equity, or other assets may last. A financial planner can use this snapshot as a starting point to consider those longer-term resources, needs, risks, and choices as part of a broader financial plan.
ScenarioMonthly IncomeMonthly ExpensesMonthly Cash Flow After Expenses
Household Finances Now$0$0$0
If Person B Passes First
A snapshot of Person A’s estimated monthly finances afterward		$0$0$0
If Person A Passes First
A snapshot of Person B’s estimated monthly finances afterward		$0$0$0
Keep a Copy of Your Work

Save a scenario if you want to return to these entries and change them later. If you want a record to keep, print, or share, create a finished copy instead.

Your current entries are saved automatically in this browser on this device. When you choose Save This Scenario, an editable WTBE scenario file is saved to the location you choose on your device. Prepared does not receive the information you enter. Saved scenario files and downloaded copies contain your financial information, so keep them where you would keep other private financial records.
Save a Scenario
Save these entries as a separate scenario you can reopen and change later.
Choose a saved WTBE scenario file. It will reopen here so you can review or change the entries.
Finished Copies
Creates a finished copy for saving, printing, or sharing. This copy is not editable. To make changes later, use Save This Scenario.
In the print window, choose Save as PDF.
Will There Be Enough?
Dan DeVere
NMLS #295207
discoverreversemortgages.com
Will There Be Enough? is free to use and share. Please keep the app name and attribution intact. It may not be rebranded, sold, or represented as another person’s or organization’s work. The app provides estimates based on the information you enter and does not provide financial, tax, legal, or Social Security advice. Future income, expenses, benefits, and obligations may differ from the estimates shown here. © 2026 Dan DeVere. All rights reserved. Will There Be Enough? is independently developed and owned by Dan DeVere and is not a Dignified Home Loans product. Dan DeVere is a Mortgage Loan Originator with Dignified Home Loans, LLC, an Equal Housing Lender, licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #413-1108. NMLS #309234.
Will There Be Enough? • Front Facing v225 • Updated September 28, 2026