Home Budget Planner
Before buying a home, it helps to understand what you can comfortably afford — not just what a lender might approve.
The Home Budget Planner is a simple, editable tool that helps you look at your income, expenses, savings, and estimated homeownership costs in one place. It’s designed to help you plan with real numbers, not guesses.
What This Planner Helps You Do
This planner gives you a clearer picture of your finances so you can:
Understand your monthly income and expenses
See how a future mortgage fits into your budget
Plan for costs beyond the mortgage payment
Identify areas where you may want to save or adjust spending
Feel more confident before moving to the next step
It’s meant to support your planning — whether you’re buying soon or just starting to think about it.
What’s Included
The Home Budget Planner walks you through:
Monthly take-home income
Fixed and variable expenses
Savings and emergency funds
Estimated homeownership costs (mortgage, taxes, insurance, utilities, maintenance)
A simple monthly surplus or shortfall
Totals calculate automatically as you fill it out, so you can focus on understanding the numbers instead of doing the math.
Who This Is For
This planner is helpful if you:
Are thinking about buying your first home
Want to understand affordability before getting pre-approved
Feel unsure about what monthly payment is comfortable
Want to get organized before talking to a lender or agent
You don’t need to have everything figured out — this tool helps you get there.
Get Your Home Budget Planner
A simple, editable tool to help you understand what you can comfortably afford.
Important: This tool is for educational and planning purposes only. It is not a loan approval, pre-approval, or financial advice.