Budget Calculator

Determine how much house you can afford. Simply fill out the fields below to analyze your monthly income, expenses, and future property taxes and insurance to estimate the mortgage amount that would best fit your budget.

Disclaimer: Every home loan is different and the terms of your note or the terms of the loan you are searching for may use a different method of calculating your mortgage payment than the calculators above. This tool is provided purely for comparative reasons and may / may not reflect the actual payments of your loan. It is imperative you consult with a mortgage professional or your existing lender for exact payment figures. We are not responsible for any typographical errors, omissions or mistakes. Not every applicant qualifies nor is every program available for each unique borrower.

Step 2: Calculate Monthly Income

Your Gross Monthly Pay: (Before Taxes and Deductions) $

Your Monthly Take Home Pay: $

Spouse's Gross Monthly Pay: (Before Taxes and Deductions) $

Spouse's Monthly Take Home Pay: $

Other Monthly Income: $

Calculate Total

Clear Form

Step 2: Results

Total Monthly Take Home Pay: $

Step 3: Calculate Monthly Expenses

Housing

Rent/Mortgage: $

Condo/Homeowner's Fees: $

Property Taxes: $

Electric & Gas: $

Phone & Cell: $

Second Mortgage: $

Home & Renters Insurance: $

Home Repairs & Maintenance: $

Water & Sewer: $

Cable & Internet: $

Transportation

Auto Payment 1: $

Auto Insurance: $

Auto Maintenance: $

Auto Payment 2: $

Gasoline: $

Parking/Tolls: $

Food & Personal

Groceries & Household Supplies: $

Meals Out: $

Barber & Beauty Shop: $

Tobacco & Alcohol: $

Clothing for Family: $

School Lunches: $

Dry Cleaning & Laundry: $

Newspaper & Magazines: $

Health & Education

Health Insurance & Co-Pay: $

Life Insurance: $

Student Loan: $

Child Care: $

Prescriptions: $

School Supplies: $

College Tuition: $

Child Support: $

Other

Hobbies & Sports: $

Church & Charitable Donation: $

Delinquent Tax Payments: $

Credit Card Payments: $

Pet Care: $

Gifts & Holidays: $

Other Expenses: $

Store Card Payments: $

Calculate Total

Clear Form

Step 3: Results

Total Monthly Expenses: $

Step 4: Monthly Surplus or Deficit

Calculate Total

Clear Form

Final Results

Total Monthly Income: $

Total Monthly Expenses: $

Monthly Surplus/Deficit(-) : $

Budget Calculator

Step 1: Calculate Mortgage Payments

Step 1: Results

Step 2: Calculate Monthly Income

Step 2: Results

Step 3: Calculate Monthly Expenses

Housing

Transportation

Food & Personal

Health & Education

Other

Step 3: Results

Step 4: Monthly Surplus or Deficit

Final Results