Home Expense Calculator Modelo Essentials
Estimate the true cost of homeownership beyond the mortgage. Include maintenance, taxes, insurance, utilities, and other recurring costs.
O Que Está Incluído
- 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
- Planilha de detalhes do imovel registrando preco de compra, saldo do financiamento, taxa de juros, IPTU, seguro e condominio para contexto completo de custos
- Painel com 6 cartoes de KPI: total de custos mensais do imovel, parcela do financiamento, custos mensais nao relacionados ao financiamento, total anual, variacao orcamento vs realizado e saldo da reserva para reparos
- Planilha de acompanhamento mensal registrando todas as despesas do imovel por categoria com mes, valor e observacoes - cobre 12 meses
- Registro de manutencao para anotar tarefas de manutencao concluidas com data, descricao, custo, prestador de servico e data da proxima manutencao
- Planilha de orcamento vs realizado comparando valores orcados mensais vs gastos reais por categoria de despesa com variacao acima/abaixo
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha 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.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
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.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
Mais modelos Essentials de Mortgage & Home
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