I was recently fed up with the mortgage calculators online because they never quite did everything I wanted them to. What I really wanted to know was what percent of our gross did all the continuous, realistic monthly charges add up to. So I whipped up a quick Excel spreadsheet to run the numbers with the variables I thought were more compelling.

These numbers are made up, but you can change the numbers in green to match your specifics. The rest of the numbers will change to reflect your input–feel free to zero out the values that might not apply to you (e.g. HOA fees, Mello Roos).

You can grab the spreadsheet here.

(If you don’t have Microsoft Excel, you can download the free LibreOffice Suite and it should run just fine–it’s what I made the spreadsheet on)