Budgeting for Your Move: A Practical Worksheet
A move involves more than the mover’s bill. Packing supplies, travel, deposits, and extras add up. This worksheet helps you list every cost so you can set a realistic budget and avoid surprises.
Step 1: Estimate Your Mover Cost
Start with the moving company itself. Use our moving cost calculator for a ballpark, then get quotes from at least three movers. Write down your best estimate and add 10–15% for extras like stairs, long carries, or overtime. For more on what can inflate the bill, see our guide on hidden moving costs.
| Item | Your Estimate |
|---|---|
| Base mover quote | $__________ |
| Buffer (10–15%) | $__________ |
| Mover total | $__________ |
Step 2: Packing Supplies
If you pack yourself, you’ll need boxes, tape, bubble wrap, and possibly furniture pads. A typical 2-bedroom move can use $80–$200 in supplies. Buying from the mover is often more expensive than sourcing your own. For full-service packing costs, see our add-on services guide.
| Item | Typical Cost | Your Estimate |
|---|---|---|
| Boxes | $50–$150 | $__________ |
| Tape, wrap, padding | $20–$80 | $__________ |
| Furniture pads (if renting) | $20–$50 | $__________ |
| Supplies total | $__________ |
Step 3: Add-On Services
Disassembly, specialty crating, storage, or full-value protection can add hundreds. List what you need and get prices from your mover.
| Service | Typical Cost | Your Estimate |
|---|---|---|
| Packing (full-service) | $400–$1,500+ | $__________ |
| Storage | $50–$150/day | $__________ |
| Full-value protection | 1–2% of shipment value | $__________ |
| Specialty items (piano, etc.) | Varies | $__________ |
| Add-ons total | $__________ |
Step 4: Travel and Temporary Costs
For long-distance moves, factor in your own travel: gas, flights, hotels, meals. If you’re moving into a new home, you may have overlap rent or utility setup fees.
| Item | Your Estimate |
|---|---|
| Gas / flight | $__________ |
| Hotels (if needed) | $__________ |
| Meals en route | $__________ |
| Overlap rent (old + new) | $__________ |
| Travel total | $__________ |
Step 5: Deposits and Fees
Moving companies often require a deposit to secure your date. You may also pay application fees, utility deposits, or pet deposits at your new place.
| Item | Typical Cost | Your Estimate |
|---|---|---|
| Mover deposit | $50–$200+ | $__________ |
| Rental application / security deposit | Varies | $__________ |
| Utility deposits | Varies | $__________ |
| Deposits total | $__________ |
For more on when and how much to expect, read our guide on moving deposit and payment.
Step 6: Contingency
Add 10–15% of your total as a cushion for things you didn’t plan for. This is standard practice for any major expense.
| Category | Amount |
|---|---|
| Subtotal (add all above) | $__________ |
| Contingency (10–15%) | $__________ |
| Total budget | $__________ |
Step 7: Track Actual Spending
As you move, record what you actually spend in each category. Compare it to your estimate. This helps you adjust on the fly and gives you a better template for future moves.
Ways to Cut Costs
If your total feels high, consider:
- Moving mid-week and mid-month (see peak vs off-peak prices)
- Packing yourself instead of full-service
- Getting free boxes from stores or online
- Comparing full-service vs DIY if you’re open to renting a truck
- Using our saving money tips for more ideas
Tax Considerations
If you’re relocating for work, some moving expenses may be tax-deductible. See our article on tax deductions for moving expenses to see if you qualify.
Summary
Budget for the mover, supplies, add-ons, travel, deposits, and a contingency. Use this worksheet to list each cost and add a buffer. Tracking actual spending helps you stay on budget and plan better for next time.
Frequently Asked Questions
How much should I budget for a move?
Plan for the mover’s quote plus 10–15% for extras, plus supplies, travel, deposits, and a 10–15% contingency. A 2-bedroom local move often runs $700–$1,500 all-in; long-distance can be $2,500–$5,000 or more.
What costs do people forget when moving?
Common forgotten costs include packing supplies, mover deposit, travel expenses, overlap rent, utility deposits, and contingency for surprise fees like stairs or long carries.
Should I add a contingency to my moving budget?
Yes. Add 10–15% for unexpected costs. Moves often have extras that weren’t in the original quote.
How can I reduce my moving budget?
Move mid-week and mid-month, pack yourself, get free boxes, compare quotes, and skip add-ons you don’t need. See our saving money tips for a full list.