House Karma Household Budget Calculator
Take control of your finances and plan for homeownership with confidence
💰 Monthly Income
Total Monthly Gross Income
Include salary, freelance, side hustles, etc.
Monthly Income: $0
🏠 Housing (Target: 25-28% of income)
Rent or Current Mortgage
0%
Include principal, interest, taxes & insurance (PITI)
Property Taxes (estimated)
0%
Usually 1-3% of home value annually
Homeowners Insurance
0%
Protects your home and belongings
HOA Fees
0%
Homeowner association fees (if applicable)
Utilities (electric, water, gas)
0%
Average monthly utility costs
Internet & Cable
0%
Essential connectivity services
Maintenance & Repairs Reserve
0%
Budget 1-3% of home value annually
Housing Subtotal: $0 (0% of income)
🚗 Transportation
Car Payment
0%
Monthly auto loan payment
Gas/Fuel
0%
Weekly fill-ups add up quickly
Car Insurance
0%
Required by law in most states
Repairs/Maintenance
0%
Oil changes, tires, unexpected repairs
Public Transportation
0%
Bus, train, rideshare costs
Tolls & Parking
0%
Daily commute and city parking
Transportation Subtotal: $0 (0% of income)
🛒 Living Essentials
Groceries
0%
Food and household basics
Dining Out / Takeout
0%
Restaurants, coffee, delivery apps
Household Supplies
0%
Cleaning products, toiletries, paper goods
Cell Phone(s)
0%
Monthly wireless plan costs
Clothing & Shoes
0%
Essential wardrobe updates
Living Essentials Subtotal: $0 (0% of income)
💳 Debt Payments
Credit Cards
0%
Minimum payments on all cards
Student Loans
0%
Federal and private education loans
Personal Loans
0%
Bank loans, family loans, etc.
Buy-Now-Pay-Later Accounts
0%
Klarna, Afterpay, store credit accounts
Debt Payments Subtotal: $0 (0% of income)
👨👩👧👦 Family & Kids (if applicable)
Childcare / Daycare
0%
Daycare, babysitter, after-school care
School Tuition or Supplies
0%
Private school, supplies, books
Kids' Activities
0%
Sports, music lessons, camps
Child Support / Alimony
0%
Court-ordered or agreed payments
Family & Kids Subtotal: $0 (0% of income)
🏥 Health & Insurance
Health Insurance Premiums
0%
Monthly premium costs
Out-of-Pocket Medical
0%
Doctor visits, prescriptions, copays
Dental / Vision
0%
Cleanings, eye exams, glasses
Life Insurance
0%
Term or whole life premiums
Health & Insurance Subtotal: $0 (0% of income)
🎯 Lifestyle & Entertainment
Gym Memberships
0%
Fitness clubs, yoga studios
Streaming Services
0%
Netflix, Spotify, gaming subscriptions
Hobbies or Sports
0%
Equipment, lessons, club fees
Vacations / Travel Savings
0%
Monthly amount set aside for trips
Lifestyle & Entertainment Subtotal: $0 (0% of income)
💰 Savings & Financial Goals
Emergency Fund
0%
3-6 months of expenses recommended
Retirement Contributions
0%
401k, IRA, employer matching
Down Payment Savings
0%
Building toward homeownership
Home Maintenance Fund
0%
Future home repairs and updates
Savings & Goals Subtotal: $0 (0% of income)
📦 Miscellaneous
Gifts / Holidays
0%
Birthdays, Christmas, special occasions
Pet Care
0%
Food, vet bills, grooming, supplies
Other Subscriptions
0%
Magazines, apps, online services
Donations
0%
Charitable giving, tithing
Miscellaneous Subtotal: $0 (0% of income)
📊 Budget Summary
Total Monthly Income
$0
Total Monthly Expenses
$0
Remaining Income
$0
Enter your income to see your budget status
