Budget Builder
Enter your monthly income and expenses to see your 3 buckets and how much you can save toward your first home.
Monthly Income
Enter your total monthly take-home pay (after taxes)
Monthly Take-Home Income
$
🔒 Bucket 1 — Fixed Expenses
Bills you must pay every month
Rent
$
Car Payment
$
Insurance (car/health/renters)
$
Utilities (electric/gas/water)
$
Phone Bill
$
Internet
$
Subscriptions
$
Minimum Debt Payments
$
🔄 Bucket 2 — Variable Expenses
What you choose to spend (last 3 months average)
Groceries
$
Eating Out / Takeout
$
Gas / Transportation
$
Entertainment / Fun
$
Clothing / Shopping
$
Personal Care
$
Miscellaneous
$
My Budget Summary
Fixed Expenses
$0
0% of income
Variable Expenses
$0
0% of income
🏠 Home Fund
$0
Available to save
Income
$0
Fixed Expenses0%
Variable Expenses0%
Available to Save0%
Enter your numbers above to see your budget breakdown.
Down Payment Savings Tracker
See exactly how long it will take to reach your down payment goal.
Your Home Goal
Adjust these numbers to match your situation
Target Home Price
$
Down Payment % (3% FHA minimum)
%
Monthly Savings Amount
$
Already Saved
$
Down Payment Goal
$10,500
3.5% of $300,000
Still Need to Save
$10,500
Keep going!
Months Until Goal
35
at $300/month
Target Date
Feb 2028
Your homeownership date
Progress to Goal0%
In TN & KY, down payment assistance programs may cover part or all of your down payment. Ask Lola about programs in your area!
Debt Payoff Calculator
Enter your debts and see when you'll be free — and how that helps your mortgage approval.
Your Debts
Add each debt — credit cards, car loans, student loans, etc.
Debt NameBalance ($)Min. Payment
Monthly Savings Challenge
Commit to saving a set amount each month. Check off each month as you go!
Set Your Monthly Challenge Amount
I will save this amount every month
$
12-Month Challenge Tracker
Tap each month to mark it complete when you've made your savings deposit!
Months Completed
0 / 12
Total Saved So Far
$0
If You Finish All 12
$3,600
Remaining Months
12
Start your challenge today! Even $50/month adds up to $600 in a year. Every dollar counts toward your first home.
Credit Score Power Center
Enter your score to instantly see loan eligibility, rates, monthly payment impact, what-if scenarios, and your personalized action plan.
My Credit Score
Enter your current score — everything updates in real time
Current score
300580670740850
Good
Loan Eligibility & Points Needed
Real-time eligibility for each loan type — and exactly how many points to unlock the next tier
Estimated Interest Rate by Score Tier
Based on a 30-year fixed mortgage — your score directly affects your rate and total cost
What-If Score Simulator
See exactly what happens to your loans and monthly payment if you raise your score
What if I raise my score by
points?
Monthly Payment Impact Calculator
See how much you save every month — and over 30 years — at different credit score tiers
Home price for this calculation
$
Down payment %
%
Your Personalized Credit Action Plan
Based on your score — the highest-impact steps to take right now
How to Boost Your Score
These 6 factors make the biggest impact — in order of importance
Pay on time, every time 35% of score
Payment history is the single biggest factor. Set up autopay for every account. One late payment can drop your score 50–100 points.
Keep credit utilization below 30% 30% of score
If your limit is $1,000, keep your balance below $300. Under 10% is ideal. Paying down balances can raise your score fast.
Don't close old accounts 15% of score
Length of credit history matters. Keep your oldest cards open even if unused.
Limit new credit applications 10% of score
Every application causes a hard inquiry that temporarily drops your score 5–10 points. Avoid new accounts in the 12 months before buying.
Have a mix of credit types 10% of score
A healthy mix of cards, installment loans, and retail accounts shows you can manage different credit types responsibly.
Dispute errors on your report
Get free reports at AnnualCreditReport.com. About 1 in 5 reports has an error. Removing errors can raise your score significantly.
Want a free credit review? Call or text Lola at 931.225.9416 — she'll connect you with a trusted lender and map out your exact path to homeownership!