Free · About 10 minutes · Not sent to us

NACA payment shock savings tracker

NACA wants to see you save the gap between your rent and your future payment, every month, before you buy. Enter your month-end balances and see your pattern the way NACA reads it: one-time deposits taken out, one-time bills added back.

Have your monthly statements for every account and credit card open. Come back each month to add the newest one.

Not sent to us: your numbers never leave this device. A draft is saved only in this browser so you can add a month at a time; Clear deletes it.

Step 1

Your savings target

NACA wants you to save the gap between the payment you're aiming for and your rent, every month.

Current rentWhat you pay each month. $0 if you don't pay rent.

Payment you're aiming forTaxes and insurance included. Not sure? Work it out in the budget worksheet.

Someone in the household is self-employed (NACA looks for 12 months)

Step 2

Your month-end balances

From your statements: the total in every account (checking, savings, money market, retirement and investments) at the end of each month, and what you owed on all your credit cards. Start with the month before the first one you want measured.

Starting month

Month 1 · starting point

Total in all accounts at month end

Owed on credit cards at month end

Month 2

Total in all accounts at month end

Owed on credit cards at month end

One-time deposits that monthGifts, insurance payouts, money from selling something. Not paychecks.

One-time expenses that monthPaying off a loan, an unusual bill. Card paydowns are already counted.

Month 3

Total in all accounts at month end

Owed on credit cards at month end

One-time deposits that monthGifts, insurance payouts, money from selling something. Not paychecks.

One-time expenses that monthPaying off a loan, an unusual bill. Card paydowns are already counted.

Month 4

Total in all accounts at month end

Owed on credit cards at month end

One-time deposits that monthGifts, insurance payouts, money from selling something. Not paychecks.

One-time expenses that monthPaying off a loan, an unusual bill. Card paydowns are already counted.

Step 3

Your pattern

Enter the payment you're aiming for in step 1 to see how your months compare.

This mirrors how NACA's 2026 workbook describes the test. Your counselor reads your actual bank data and decides which deposits and expenses count as one-time.

For education only. This is an estimate, not a loan application, pre-approval or credit decision. Only NACA decides your savings pattern, qualified payment and which deposits count as one-time, from your actual bank data. Everything you type stays in this browser: it isn't sent to this site, emailed or saved anywhere except as a draft in your own browser, which “Clear” removes. Method: NACA Qualification Workbook, version 26.6 (May 2026). Independent educational session. Not affiliated with, endorsed by, or acting on behalf of the Neighborhood Assistance Corporation of America (NACA). Program terms, rates and eligibility are set by NACA, can change, and not every applicant qualifies. Built by Martin Kurylowski, REALTOR®, a past NACA buyer and referral partner, not a NACA employee.