11. Analyzing a Spending Plan. In the above example, what percentage does Carl spend on his home? House Payment = Take-home Pay = $1,050/month $2,800/month 12. Analyzing a Spending Plan. In the above example, what percentage does Carl spend on his car payment? Car Payment = $ 385/month Take-home Pay = $2,800/month Percentage spent on his car = $385 + $2,800 = 0.1375 or 13.75%