expense question

[adviceplease]

When they look at your expenses (schedule J) are they going to compare it to your income at the NET or gross level? I was using an online expense calculator to get an general idea and we are 680 short a month on net but over $440 a month on gross. Now of course if you add the CC's in we are SOL either way.

[whipster1]

Net after taxes/insurance/etc on I. Pull up a blank I you will see.