Phone: (763) 257-3436 · Book a free call: calendar.app.google/Bv5PFDtRiSTkdMbt6
This planner was prepared for you by Allison Deal. Found it helpful? Share it — Allison's contact info above travels with it so your friends can get the same help.
Know the true monthly cost — before you fall in love with the house.
List price is only part of the story. This planner estimates your full payment for a specific home — mortgage, property taxes, insurance, and utilities sized to that house — then helps you fit it into a complete monthly budget, fun included.
your move, made clear
🏠 Mortgage + taxes + insurance💡 Utilities by home size✏️ Add any expense you want
1 · The home
Start with the address and the basics. Tax, insurance, and utility estimates update as you type.
Property
Purchase & loan
$
$
$
💡 Found the real numbers? If a listing shows the actual annual tax bill, type it in above. Same for utilities below — any field you fill in with a real bill replaces the estimate.
2 · Likely utilities for this home
Estimated from the home's size, age, bathrooms, and heating fuel — with Minnesota winters baked in. Replace any line with a real average bill if you have one.
Estimated utilities total$0/mo
Older homes (pre-1980) run about 15% higher on heat and electric due to insulation; homes built after 2015 run about 10% lower. Electric heat and propane cost more than natural gas in a Minnesota winter.
Your true monthly cost
For the home above
Total per month
$0
mortgage + taxes + insurance + utilities
Principal & interest
Property taxes
Home insurance
Utilities
3 · Your full monthly budget
Housing flows in automatically from above. Adjust everything else to match your real life — groceries, cars, streaming, the fun stuff — and add anything that's missing.
$
$0
Take-home income
$0
Total planned spending
$0
Left for savings & goals
0%
Savings rate
Needs / Wants / Savings check (a common guide: 50% · 30% · 20%)
■ Needs ■ Wants & fun ■ Left over
＋ Add your own expense
Childcare, a boat payment, season tickets, a house cleaner — if it leaves your account monthly, it belongs here.
💌 Sharing this budget? Your copy and download below are branded to Allison — her name, phone, and booking link are built into the file itself, at the top and bottom, so whoever you send it to knows exactly who to call for help.
Downloads save as Allison-Deal-Home-Budget-Planner.txt — Allison's branding and contact info are inside the file, not just on this page.
let's talk it through
Want a second set of eyes on the numbers?
Allison helps Twin Cities buyers pressure-test a home's real monthly cost before they write an offer — taxes, insurance, utilities, and all. Bring a listing you're eyeing and talk it through.