Year 1 Home Budget Calculator (2026)

Calculate your full first-year home budget — PITI + maintenance + setup + 6-month reserve. 2026 rates, taxes, and insurance baselines built in.

Your first year in the home

  • Month 1: What to Check — Your first month is about documenting what you have and addressing anything urgent from the inspection.
  • Month 3: What to Observe — Use the first months to record how the house performs in everyday use and changing weather.
  • Month 6: What to Service — Review the service schedule against your equipment manuals, climate, and known maintenance history. Some tasks will be due sooner.
  • Month 12: What to Budget — After a full year, you know your home's personality. Now build a forward-looking plan for the next 1–5 years.

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