Let me try: All is minimum 1000 (grocery) + 500 (clothes for the whole family plus wife's skin care etc) + 500 (cars) + 1500 × N (number of children, for younger ones, you need dayare, for older ones, you need AS and save for college) + 500 (travel and misc) + 200 (cable, internet, phone etc) Plus mortage + property tax + utilities (water, electricity, gas, and garbage) + home insurance + car loans