Build a budget you will actually use
Map your income, your needs, your wants, and what you save. As you type, see how close you are to the 50/30/20 rule and how much is left over each month. Free, no login.
Tip: enter your average monthly amounts. For yearly costs (like insurance or property tax), divide by 12. Edit any label, or use the × to remove a line you do not need.
Monthly income
What comes in each month after taxes. Include allowance, financial aid, or support if they apply.
Needs
The essentials: housing, utilities, groceries, transportation, insurance, minimum debt payments.
Wants
The nice-to-haves: dining out, subscriptions, travel, hobbies, and everything that makes life fun.
Savings & debt payoff
Money toward your future: savings, retirement, investing, and extra payments beyond the minimums.
Want a version you can save and revisit? Make your own copy of the spreadsheet ↗
The 50/30/20 rule
A simple starting point: aim for about 50% of your take-home toward needs, 30% toward wants, and 20% toward savings and debt payoff. It is a guide, not a rule. The point is to see where your money actually goes and make sure every dollar has a job.
Ready to think about a home?
Once you know your monthly numbers, see the home price your budget supports.
Your first step, either way
Buying in this window? Make your FirstHome Plan, so you walk in knowing your real number. Staying put for now? Put the difference into a down payment fund and let it compound.