First Apartment Budget Planner

What you can do

• Add your income after tax: every month, twice a month, every 2 weeks or every week, with your next payday
• Plan your monthly costs in nine categories, with the day each bill is paid; after you move, add what each cost really was – plan and actual are added up apart
• See what is left each month: income − planned costs − what you put aside
• See your rent as a share of your income: under 30% comfortable, 30–40% tight, more risky
• Add one-time moving costs (deposit, application fee, movers, furniture) and see when you are ready – or how much you are short on moving day
• Your first month day by day: every payday and every bill, the lowest point and its date
• Safety fund: a goal of 3 to 6 months of costs and the date it is full, with a 12-month chart
• CSV in and out, print or save as PDF, backup and restore

Example inside

A made-up studio near the station: pay of 1,450 every 2 weeks plus weekend tutoring, rent of 1,200 (34.9% – tight), 2,330 of moving costs. After everything, 936.67 is left each month, and the lowest point of the first month is 127.50 on 1 December – three days before the first payday.