My Monthly Money Planner

Guide 01 — How to Prepare to Buy a Home Before You Ever Tour One

Your numbers stay on this page. Everything is calculated in your own browser — nothing you type is sent to P&D, saved, or tracked.

A budget is a planning tool, not a mortgage approval. Nothing here is submitted to P&D.

6 Your Monthly Summary

Every green number below comes from your entries automatically.

A positive amount left is not automatically a safe mortgage payment. Plan for emergencies and the full cost of owning a home.

Prefer paper or a spreadsheet?

Same math, three ways. The calculator above needs no account and no download.

Google Sheets copy

Make your own private copy in Google Sheets. A Google account is required, and your copy lives in your own Drive — P&D never sees it.

Make a Sheets copy

Excel download (offline)

Download the protected workbook and use it offline in Excel or a compatible spreadsheet program installed on your computer. Yellow cells are yours to edit; formulas are locked so they can't be changed by accident.

Download the .xlsx

Printable worksheet (PDF)

Print it and write by hand. The paper worksheet does not calculate — it walks you through the same categories in the same order.

Download the printable worksheet (PDF)