Post-Move Budget
Woodrow–Fisch · NJ/NY scenarios
Current rates ↗
Property Details
$
$
%
%
Cash Up-Front
Down Payment
$0
Closing & Move-In
$0
Total Cash Needed
$0
Monthly Budget
Monthly Carry
$0
Fixed Expenses (excl. CC interest)
$0
CC Interest
50% assumption · adjustable
$
Total Monthly Spend
$0
Income Requirement
TF Net Salary
after health ins., 401k, FSA
$
Monthly Shortfall
$0
FIN (Freelance Income Needed)
shortfall ÷ 0.70 · gross monthly target
$0
Stretch (FIN × 1.2)
+20% savings target
$0

* NJ fixed expenses use estimated post-move defaults (no laundry, lower transport, etc.). Brooklyn avg is actual Oct '25–Mar '26 non-housing spend ($11,557 total − $3,000 rent = $8,557). The ~$2,400 gap is plausible but unconfirmed until you're actually living there.

Housing breakdown ▶
Fixed monthly expenses ▶
⚠ CC Interest Adjustable directly in the hero above. Default is 50% of current charges (~$644/mo), reflecting a hardship-rate reduction from creditor outreach.
Living
Food & groceries
incl. Amazon food items
$
Dining out
$
Healthcare
insurance, co-pays, prescriptions
$
Children & family
$
Transportation
Car expenses
gas, E-ZPass, maintenance · NJ estimate
$
Recurring
Auto & life insurance
home insurance is in housing carry
$
Subscriptions
$
Retail & shopping
$
Household
laundry (~$197/mo) excluded — in-house w/d
$
Entertainment
$
Business expenses
$
Miscellaneous
$
Total fixed (excl. CC interest) $0
Closing & move-in detail ▶
Closing Costs
Lender fees
$
Title insurance
$
Attorney
$
Inspections
$
Appraisal
$
Survey
$
Recording
$
Escrow prepaid
months of tax + insurance
mo
Move-In
Movers
$
Furnishings
$
Repairs / improvements
$
Utility deposits
$
Total cash to close $0
Utilities & maintenance defaults ▶
Utilities (in housing carry)
Electric — summer avg
$
Electric — winter avg
$
Gas — summer avg
$
Gas — winter avg
$
Water / sewer
$
Internet
$
Lawn / snow removal
$
Maintenance Reserve
Maintenance reserve
% of price / year
%
HOA / month
$
Rental Details
$
Cash Up-Front
Total Move-In
$0
Monthly Budget
Monthly Rent
$0
Utilities
$0
Renter's Insurance
adjust below if needed
$
Fixed Expenses (excl. CC interest)
$0
CC Interest
set in Buy tab
$0
Total Monthly Spend
$0
Income Requirement
TF Net Salary
set in Buy tab
$0
Monthly Shortfall
$0
FIN (Freelance Income Needed)
shortfall ÷ 0.70 · gross monthly target
$0
Stretch (FIN × 1.2)
+20% savings target
$0

* Salary, CC interest, and fixed expenses are shared with the Buy tab — adjust them there. Utilities here reflect an apartment (no water/sewer or lawn).

Move-in costs detail ▶
ℹ Move-in breakdown Security and broker fee are set as multiples of monthly rent and auto-scale when rent changes. Movers and furnishings are fixed dollar amounts.
Deposits & Fees (× monthly rent)
Security deposit
months · typical NJ: 1.5×
Broker fee
months · common in NJ: 1×
Last month
months · if required
One-Time Costs
Movers
$
Furnishings & setup
$
Total cash to move in $0
Utilities defaults ▶
ℹ Apartment assumptions Water/sewer and lawn/snow are excluded (landlord's responsibility). Maintenance reserve excluded. Renter's insurance is in the hero above.
Utilities
Electric (monthly avg)
summer/winter blend for apartment
$
Gas (monthly avg)
$
Internet
$
Total utilities $0
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