This page requires JavaScript. Please enable Javascript to use the calculator.
Budget beyond the Application

Mortgage loan applications are only aimed at determining your verified debt to income and does not include your other living expenses, such as charitable giving, lifestyle expenses and savings goals. Use this interactive spreadsheet to help determine your real costs of living per month. For your added benefit use the "without mortgage" column to begin making plans for a life without a mortgage.

Income With Mortgage Without Mortgage
Net Income #1
Net Income #2
Subtotal
     
Charity/Savings
Charity
Savings
Emergency Fund
Retirement Savings
Subtotal
     
Housing
Rent
Mortgage 1st
Mortgage 2nd
Property Taxes
Home Insurance
Home Owners Association
Housing Repairs
Subtotal
     
Household
Food
Utilities - Electricity
Utilities - Gas
Utilities - Garbage
Utilities - Water
Utilities - Telephone
Utilities - Other
Insurance - Health
Dentist
Medications
Counseling
Insurance - Automobile
Fuel - Automobile
Alimony
Child Support
Subtotal
     
Debts
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Auto 1
Auto 2
Student Loan 1
Student Loan 2
Aunt "Sally" loan
Mom and Dad loan
Subtotal
     
LifeStyle
Private School
Gifts (birthdays, holidays, anniversaries, etc)
Babysitter/Nanny
Dog walker/sitter
Housekeeper
Dining out
Cell Phone
Cable TV
Internet
Hobbies
Association Dues
Kids College Fund
Clothing
Hair/Personal Care
Gym membership
Time Share Dues
Subscriptions (newspaper, magazines, etc)
Other
Other
Subtotal
     
Investment Savings
Invesment Property Expense/Savings
Stocks/Bonds/Mutual Funds
Other
Other
Subtotal
     
Dreams
New Business Opportunity Savings
Vacation Savings
Early Retirement Savings
Mortgage Reduction Amount
Other
Other
Subtotal
     
Total Difference
   
Developed by Zed.