Adulting
Every Bill You'll Have
Rent is one line. Here are the other thirty-one.
23 bills a month
$3,268
That is $668 more than you bring home. This is the normal result the first time, and it is the whole point of writing the list down — the gap was always there, it just wasn’t visible. Turn off what isn’t yours, then cut from the biggest lines, not the smallest.
Living costs
$2,838
Everything except what you pay yourself
Paying yourself
$430
Emergency, savings, trip, retirement
Housing share
55%
Aim under 30% of take-home
Rent is $1,400. Living there costs $1,770.Utilities and phone add about 26% on top of rent, every month, and no listing ever mentions them.
The roof
$1,418The number everyone quotes, plus the two that come with it.
- Rent or mortgage$800–$2,200$
- Renters insurance$10–$30$
- HOA or building fees$0–$400$
Utilities
$370The bills that arrive because you live somewhere.
- Electric$60–$180$
- Gas / heating$25–$150$
- Water, sewer and trash$30–$110$
- Internet$40–$90$
- Cable or streaming$10–$120$
- Cell phone$25–$100$
Getting around
$60A car is at least four bills wearing one coat.
- Car payment$0–$700$
- Car insurance$80–$350$
- Fuel$60–$300$
- Maintenance and tyres fund$40–$150$
- Transit, rideshare and parking$0–$250$
Food
$550Split on purpose — these two behave completely differently.
- Groceries$200–$500$
- Eating out, coffee, delivery$60–$500$
Health
$160Cheap right up until it isn't.
- Health insurance premium$0–$500$
- Prescriptions, copays, dentist$0–$200$
What you already owe
$0Minimums are not the cost. See Credit Cards, Handled.
- Credit card minimums$0–$300$
- Student loan$0–$500$
Life
$255Small, forgettable, and about 15% of most budgets.
- Apps and subscriptions$10–$120$
- Household and toiletries$30–$120$
- Clothes and haircuts$20–$200$
- Going out and gifts$30–$300$
- Pet$0–$200$
Paying yourself
$430Bills, not leftovers. This is the part that changes your life.
- Emergency fund$50–$500$
- Savings$25–$600$
- Trip fund$20–$300$
- Retirement contribution$0–$800$
The ones that ambush you
$25Not monthly, but absolutely monthly costs.
- Late and overdraft fees$0–$120$
- Car registration and inspectionbilled yearly$0–$60$
- Annual bills, spread monthlythe monthly share of yearly bills$0–$150$
Ranges are typical for one person in a mid-cost US area — a starting point to argue with, not a promise. Your own numbers are saved on this device as you type.
What you type here is saved automatically — on this device, and to your account if you have one.
About this tool
The complete monthly bill list with typical ranges — rent, electric, gas, water, internet, phone, transit, groceries, eating out, late fees — plus the two categories nobody writes down: bills that don't arrive monthly, and paying yourself.
Best for
For anyone about to move out, or already out and wondering where the money goes.
Expected outcomes
Generate actionable structure, optimized formulas, and verified indicators under strict outcome standards.
Goes well with
Keep the workflow moving
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These journeys use Every Bill You'll Have as one step in a longer sequence of real actions.