💰 Financial Planning Tool
Billings, Montana (Aug 2026 - July 2030)
📅 Timeline: Rent 9 months → Buy/Continue Renting → Sell & Move July 2030
📊 Financial Inputs
Income
Housing
Savings & Retirement
Expenses
Your Annual Gross Income
Partner's Annual Gross Income (Starting Aug 2026)
Filing Status (After Marriage)
Married Filing Jointly
Married Filing Separately
Annual Income Growth Rate (%)
Monthly Rent (Initial 9 months + if continue renting)
Home Purchase Price (if buying in May 2027)
Down Payment (%)
Mortgage Interest Rate (%) - Physician Loan
Property Tax Rate (%)
Annual Home Insurance
HOA Monthly (if applicable)
Annual Home Appreciation (%)
Selling Costs (% of sale price)
Annual Maintenance (% of home value)
Wedding Savings Goal
Wedding Savings Timeline (months)
Your 401k/403b Contribution (%)
Partner's 403b Contribution (%)
Employer Match (% up to 2.5% of salary)
HSA Family Annual Contribution
529 Monthly Contribution
Emergency Fund Goal
Target Investment Rate (% of surplus)
Monthly Food & Dining
Monthly Transportation
Monthly Utilities
Monthly Entertainment
Monthly Personal Care
Monthly Insurance (Health, etc.)
Monthly Other Expenses
Annual Travel Budget
Calculate Financial Plan
⏰ Your Timeline
Aug 2026
Start new job in Billings, begin renting
May 2027
Decision point: Buy home or continue renting
July 2030
Sell home (if owned) and relocate
📈 Financial Summary
🏠 Rent vs Buy Analysis (Including Sale)
🏡 Home Sale Analysis (July 2030)
📅 Year-by-Year Breakdown
📊 Visual Analysis