Budget Calculations

Your Monthly Expenses

Monthly Bills and Debt Payments

1. What is your average water/sewer bill?

$

Water/Sewer Trash/Recycling and Natural Gas/ Propane combined

2. What is your average Electricity Bill?

$

3. What is your trash/recycling bill?

$

4. What is your average natural gas/propane bill?

$

5. What are your monthly food and grocery expenses?

$

This includes meal plan, groceries, eating out and snacks

6. How much do you spend on gasoline per month?

$

7. Phone Bill?

$

8. Auto Insurance bill per month

$

9. Any other monthly bill?

$

Your Debts

10. Monthly Car Payment?

$

Minimum Monthly Credit Card Payments

$

Student Loan Payments

$

Other Minimum Monthly Payments

$

Other Minimum Monthly Payments

$

Monthly Minimum Expenses

$

Assets and Liabilities

Total Debt Owed

$

What is the total of all the debt accounts you owe on? Total on Credit Cards, Automobiles, Student Loans ...

13. What is your average monthly income?

$

Cash Available

$

savings and checking accounts

16. Do you have any other savings or investments?

$

Total

$

Emergency Fund

$

This is for unexpected expenses

2 Month Fund

$

Home Goals

Home Price You Want *

$

Percent Down

%

Down Payment

$

Move in Goal (Years) *

#

Estimated Closing Cost

$

Calculations

Estimated Total For Everything

$

Minimum Towards Paying Off or Saving

$

Months Until Debt is Payed Off

Months Until Ready to Home Search

Total $ Left Over

$

All the money left over after your monthly minimums. Use this to calculate your housing and other expenses located below.

Percent Left

%

$ Left Over

$

Rent

Personal Misc Fund

Entertainment

Anything Else