Keys & Cents
One-time $19 · Instant download

The True Cost Home-Buying Planner

Everything the listing doesn’t tell you, in one tidy spreadsheet. Plug in a home and it shows the all-in monthly cost, cash to close, move-in budget, repair reserve, and whether it truly fits your budget. Then compare offers side by side.

$19

Buy for $19 Secure checkout by Stripe · 30-day refund

Keys & Cents provides general educational information and estimates, not financial, investment, tax, legal, or real estate advice. Figures are estimates based on public data and stated assumptions; your actual costs will vary. Consult a qualified professional before making decisions. Some links may be affiliate links. See our Terms and Disclosure.

Sterling the owl with a golden key

What’s inside

  • Monthly Cost: P&I, tax, insurance, HOA, PMI (with auto drop-off), maintenance and utilities
  • Closing Costs: itemized estimate with editable line items
  • Move-In Budget: down payment, closing costs, movers, repairs and furniture, checked against your savings and emergency fund
  • Maintenance Reserve: the 1% rule or a system-by-system repair and replacement fund
  • Affordability Check: 28/36 and 43% DTI tests and your max price at each
  • Offer Comparison: up to 4 homes side by side, all-in
  • Amortization: month-by-month balance, interest and principal
  • PDF guide: “The True Cost of Buying a Home” in plain English, with Sterling’s checklists

Who it’s for

First-time buyers, move-up buyers, and anyone who wants to walk into a purchase knowing the real number, not the brochure number.

It’s the same math as our free calculators, plus the parts that are too personal for a web page: your cash, your savings, your shortlist.

Sterling says: The best time to find out a house is too expensive is before you fall in love with the kitchen.

Planner FAQ

What do I get?

An Excel/Google Sheets–compatible workbook (.xlsx) with eight connected tools (plus a Start Here tab), and a 13-page PDF guide that walks you through every cost of buying and owning a home.

Does it work in Google Sheets?

Yes. It uses standard formulas that work in Microsoft Excel, Google Sheets (File → Import) and LibreOffice. No macros.

Is it a subscription?

No. It’s a one-time $19 purchase.

What if it isn’t useful to me?

Email us within 30 days and we’ll refund you. No hoops.