Budget templates

Lines up your real monthly rent against a real all-in mortgage payment — taxes, insurance, PMI, HOA, and a maintenance reserve included, not just principal and interest — then works out how many months of staying put it takes before buying pays back its upfront cost.

Every dollar assigned before the month starts, with a live "left to assign" that has to reach exactly zero — a positive figure being money with no job, which is the money that disappears without anyone deciding where it went. Planned against actual on every line, with the variance where the month gets honest. Built on take-home pay rather than gross, because a plan built on gross hands you a needs budget you cannot fund. Includes an irregular-income row for a fixed monthly draw, and computes your 50/30/20 shares from your own numbers rather than asserting them.

Eight debts on one page with both payoff orders ranked automatically, so you can see how different avalanche and snowball actually are on your own numbers — usually less than expected. Computes the balance-weighted average rate rather than a plain average of the rates, which is the figure a consolidation offer genuinely has to beat and the one that makes most of them look worse than the marketing does. Shows the interest accruing each month before a dollar of principal moves, ranks your own levers so you spend effort where it pays, and gives you a 24-month log plus the re-accumulation defences that decide whether the plan survives month five.