Calculate Your Way To Better Credit

At My Credit Guy, we help borrowers home purchase-ready as quickly and at as low of a cost as possible. Our mission is to make the transition in and out of credit repair seamless, while keeping the end goal of getting you to the closing table the top priority.

If you have had credit problems in the past, you will likely benefit from credit restoration. A better credit score will improve your ability to qualify for the best mortgage loan and can save you thousands of dollars over the life of that loan. You should also work with a qualified independent mortgage broker in your area who can provide expert guidance throughout the process and shop for loan options on your behalf that suit your unique financial needs.

Not sure where to start? Use our free calculator below to start saving today!

My Credit Guy Budget Calculator

To use this calculator, input the monthly income/expense amounts into each field. When complete, email a copy to yourself and enjoy your new personal budget. We do not store any of your information, and this tool is 100% free without any hidden conditions or fees. Enjoy!

Income (Take-Home)

Your primary NET income (monthly)
Your monthly secondary NET income


Monthly expense on rent/mortgage payments
Monthly credit card expense
Monthly cost of home equity line
Monthly cost of car loan payment
Monthly cost of student loans


Monthly expense on Gas/Oil payments
Monthly cost of electricity
Monthly cost of water/sewer
Monthly phone expense (landline/mobile)

Insurance Premiums

Monthly expense on life insurance
Monthly cost of auto insurance
Monthly cost of home insurance
Monthly expense on health insurance
Monthly expense on long-term care

Savings and Investments

Monthly expense on emergency fund
Monthly cost of college savings. Way to go!
Monthly cost of retirement savings


Monthly expense on groceries/perishables
Monthly cost of childcare
Monthly cost of vacation savings
Monthly expense on entertainment
Monthly cost of clothing/apparel.
Monthly cost of gas for vehicles
Monthly cost of commute
Monthly cost of charity givings. Good for you!
Monthly cost of out-of-pocket medical expenses
Total for any expense not previously mentioned
Income Remaining:

Interested In Our Credit Restoration Services?

Visit this page to learn about who we are, what we do, and how we can help you on your journey to financial wellness: My Credit Guy Services

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Contact Us

  • 4365 E. Pecos Suite 139
  • Gilbert, AZ 85295
  • P: (866) 726-7339
  • F: (480) 999-5079

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