Your Current Monthly Expenses
http://www.getdownpayment.com/hec/pdf/calcWS1.htm
Use this worksheet to calculate your current monthly expenses. By comparing your nonhousing expenses to your gross monthly income (see Worksheet 3), you can see how much you have left for housing-related expenses. Remember that as a homeowner, your housing expenses will include your monthly mortgage payment, property taxes and homeowner's insurance, condominium fee (if applicable), utilities and maintenance costs.
Budgeting Tools & Calculators
http://www.betterbudgeting.com/budgetingtools.htm
Budget Calculator - We've had many people ask "How much should I be spending in each of my budget categories?" Use our free Budget Calculator to learn how much you are spending in each expense area and how it compares with the national average! Rent vs. Own Calculator - Use this online tool to decide whether it makes better financial sense to rent or buy. How Much House Can You Afford - Explore the tax advantages of owning a home, calculate how much home you can afford, the advantages and disadvantages of adjustable and fixed-rate mortgages, and more with our home mortgage calculators. Mortgage Payment Calculator Figure out your estimated payment for different loan amounts, interest rates, and terms Mortgage Payment Calculator - This calculator will allow you to figure out your estimated payment for different loan amounts, interest rates, and terms. 15-Year Mortgage vs. 30-Year - Is a 15-year mortgage preferable to a 30-year mortgage? It depends. Mortgage Pre-Payment Calculator - Fill in the mortgage data below and click "Calculate" to see the impact of increasing the amount you pay each month over and above the "minimum." How Much Car Can You Afford - Use this car payment calculator to see what your payments would be on a new or used car, keep in mind that interest rates will be a bit higher on used cars (but the price will be a lot lower so you'll still save money). Automobile Lease vs. Purchase - The interactive lease calculator has been designed as an aid for you to use in evaluating lease-versus-buy alternatives. Please
note that this is a general guideline only. Dealers may offer pricing plans that differ from those shown below. Debt Calculator - Find out how much you are spending and how much you can save! Auto Payment Calculator - Calculate how much your monthly payment will be for a new or used car, or calculate the total loan amount based on your monthly payments. Missing Money: Unclaimed Property - Check your state to see if you have unclaimed property just waiting to be claimed! Compare US Costs of Living - Compare key data to see how relocating would affect your standard of living. You don't have to put in your exact salary, just use a random amount and keep it the same for each city you search. How Far Will My Salary Go in Another City - Use this calculator if you don't want more city cost of living details through the previous link. Credit Card Payoff Calculator - Use this calculator to determine how long it will take you to pay off your credit card balances. By just adding a few dollars to the required minimum, you can greatly decrease your time in debt. And here's another great debt calculator to try, at CNN. How Much Does Mom Really Make? - If you are considering seeking a job (or quitting a job) in the paid workforce, this worksheet can help you calculate how much of a difference it will really make. How much can you save in a year? - We can help you find out. Tuition Savings Calculator - How much do you need to save? Millionaires in the Making - Find out how long it will take you to grow a million with this online money calculator. Fuel Economy - Save money on gas! Find fuel economy ratings for cars, tips on saving fuel, pollution ratings and more at The Department of Energy. The National Park Service Volunteers-in-Parks Program - Look into free 'vacations' by becoming a volunteer for The National Park Service! Currency Exchange Calculator - Find current exchange rates.