I'm under, by a bit. If you just include living expenses, it looks pretty deceptively good (46% of my budgeted amount, or 62% if adjusted to compensate for the fact that property tax and insurance are paid in the last half of the year). But my Venza cost more than I had planned (well, obviously I saved much more but had not planned to spend this much on a vehicle), so if you divide that excess cost by 12 and add to my monthly expenses then 92%. However I have been engaged in some frivolous spending this month (the best kind!) and intend to spend some more so it's probably a little higher than that.
In other words, I'm not exactly sure but I'm still in safe territory. REWahoo tells me that underspending is normal for new retirees so I may spend more as time passes.