Home Expense Calculator Plantilla Essentials
Estimate the true cost of homeownership beyond the mortgage. Include maintenance, taxes, insurance, utilities, and other recurring costs.
Qué incluye
- Dashboard with total homeownership cost showing mortgage, taxes, insurance, maintenance, and utilities combined
- Calculator with expense category inputs for property taxes, homeowners insurance, HOA fees, and repairs
- Monthly and annual cost totals that combine all housing expenses into a single true cost of ownership figure
- Maintenance reserve estimates based on home value percentage - typically 1% to 3% of property value annually
- Tax and insurance sections with color-coded input cells (yellow) and auto-calculated summary totals (blue)
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with total homeownership cost showing mortgage, taxes, insurance, maintenance, and utilities combined
- Calculator with expense category inputs for property taxes, homeowners insurance, HOA fees, and repairs
- Monthly and annual cost totals that combine all housing expenses into a single true cost of ownership figure
- Maintenance reserve estimates based on home value percentage - typically 1% to 3% of property value annually
- Hoja de detalles del hogar que captura precio de compra, saldo hipotecario, tasa de interes, impuesto predial, seguro y HOA para contexto completo de costos
- Panel con 6 tarjetas de indicadores: costos mensuales totales del hogar, pago hipotecario, costos mensuales no hipotecarios, total anual, variacion presupuesto vs real y saldo de reserva para reparaciones
- Hoja de seguimiento mensual que registra todos los gastos del hogar por categoria con mes, monto y notas - cubre 12 meses
- Registro de mantenimiento para anotar tareas de mantenimiento completadas con fecha, descripcion, costo, contratista y fecha del proximo servicio
- Hoja de presupuesto vs real que compara los montos presupuestados mensualmente vs el gasto real por categoria de gasto con variacion positiva/negativa
Vista previa
Mira qué contiene esta plantilla
Cómo usar esta plantilla de Home Expense Calculator
Enter mortgage payment
Input your monthly mortgage principal and interest payment. This is the base housing cost.
Add other housing costs
Fill in property taxes, homeowners insurance, HOA fees, utilities, and estimated maintenance costs.
Review total cost
The calculator sums all housing expenses into a single monthly and annual true cost of ownership figure.
Check the dashboard
The dashboard breaks down the total by category so you can see which costs represent the largest share of homeownership.
Creadas por Claude AI. Perfeccionadas por nosotros.
Usamos Claude AI para crear el borrador de cada plantilla, después de una investigación profunda. Luego nuestro equipo interviene. Refinamos el diseño, probamos cada fórmula a fondo, corregimos casos especiales y pulimos el diseño hasta que se siente como algo que realmente usaríamos nosotros mismos. La IA nos lleva al 80%. El último 20% es criterio humano.
Preguntas frecuentes
What maintenance costs should I include?
Common estimates are 1% to 3% of home value annually. This covers repairs, upkeep, and eventual replacements like roof or HVAC.
Does it include mortgage principal?
Yes. The full monthly mortgage payment (principal and interest) is included as part of the total housing cost.
What about utility costs?
Add electricity, gas, water, sewer, trash, and internet as separate line items. The template totals them with all other housing costs.
Is HOA included?
Yes. There is a dedicated field for HOA fees. Enter the monthly amount and it is included in the total cost calculation.
¿Cómo abro esto en Google Sheets?
Sube el archivo .xlsx a Google Drive y luego ábrelo con Google Sheets. Todas las fórmulas y el formato se conservarán.
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