Think about what your budget can comfortably handle when ... If you end up with a different rate than what you put into the calculator, your monthly payment will be different, too.

Our free budgeting calculator will help you ... see how you can improve your remaining monthly funds by adjusting expenses that are discretionary—what budget experts call "wants." ...

1. Gather bank statements, household/utilities bills and receipts. Lay the groundwork for a monthly budget by compiling these financial records, as well as info on credit card debt, pension ...