Your first three months: setup versus living costs
A useful budget makes assumptions visible and lets you test alternatives.
One-off costs
List travel, temporary housing, essentials and moving costs. Identify payments needed before income begins.
Monthly costs
Include rent, food, transport, bills, insurance and childcare. Use figures matching your city and household.
Stress-test the plan
Try one extra month without income or a higher rent. The tool calculates your inputs, not future market prices.