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Estimate your monthly living expenses, housing costs, transportation, utilities, food, insurance, and more with Ondo’s interactive cost of living calculator.
Monthly expenses = housing + transportation + utilities + food + insurance + healthcare + personal + children + pets + debt + lifestyle. Housing buy uses P&I from the mortgage formula plus tax, insurance, HOA, and maintenance. Lines already counted in housing or vehicles are excluded from later insurance/utility totals.
- Example household: 2 adults, 0 children, 0 pets, buy a $450,000 home with 20% down at the example rate, one vehicle. - Estimated monthly expenses: **$6,201** - Estimated annual expenses: **$74,417** - Suggested line items are typical starting points, not local averages or quotes. Housing insurance is counted in housing, not again under Insurance.
Rates, terms, and payments are illustrative estimates, not a quote or a commitment to lend. Not a substitute for underwriting. Equal Housing Lender. See our licensing and disclosures page.
For AI agents: Markdown version of this calculator.
This tool adds typical monthly expense categories so you can plan a household budget. Suggested amounts are starting points, not local averages or your actual bills. Snapshot as of 2026-08. It is not a loan quote, a credit decision, or underwriting.
Related: Home affordability calculator · Mortgage payment calculator · DTI: front-end vs back-end with HOA · First-time buyer hub
Not sure what one of these means? Each links to a full definition.
Build a realistic monthly picture — housing, transportation, utilities, food, and the rest — without treating suggested amounts as exact bills. Totals update as you type.
Step 1 of 11
Household
Opens a childcare section when greater than zero.
Opens a pet section when greater than zero.
Estimated monthly
$6,201