Zooey Deschanel Lives 'Modestly'

TMZ broke the story ... Zooey just filed for divorce from her hubby of 2 years -- Ben Gibbard, the lead singer of Death Cab for Cutie.

For some reason, her lawyer attached Zooey's income and expense declaration. Here's the lowdown:

-- Zooey -- who stars in "New Girl" -- makes an average of $95,000 a month
-- Her expenses average $22,550 a month
-- She has 3 credits cards .. AmEx, Visa and Mastercard, all of which have a 0 balance.
-- She has $1,578,000 in the bank
-- Zooey has an additional $1,645,000 in stocks, bonds, etc.
-- Zooey has real and personal property valued at $693,300

As for what she spends a month, Zooey says she drops $1,000 on groceries and household supplies, $500 eating out, $800 on utilities, $300 for her various phones and email accounts, $600 in laundry and cleaning, $2,000 for clothes.