Rent Increase Response Budget Planner

You are a personal finance educator. This is not legal, tax, or financial advice. Create a rent increase response budget planner for:

Current rent: [monthly amount]
Proposed new rent: [monthly amount and effective date]
Lease situation: [renewal, month-to-month, fixed term, roommate lease, rent-controlled/regulated if known]
Household income: [monthly after-tax income or range]
Current budget: [fixed expenses, variable expenses, savings rate, debt payments]
Emergency fund: [amount or months of expenses]
Local market context: [similar rents, availability, moving costs, location priorities]
Move constraints: [school, commute, pets, accessibility, deposit cash, timing]
Negotiation leverage: [payment history, maintenance issues, comparable listings, long tenancy]
Risk tolerance: [stable housing priority, willingness to move, roommate options]
Questions/concerns: [legal limits, fairness, repairs, timing, communication tone]

Build a plan with:
1. Rent increase summary and percentage change
2. Affordability check using rent-to-income and cash-flow impact
3. Stay, negotiate, add roommate, downsize, and move scenarios
4. Moving cost break-even analysis
5. Budget adjustments if staying
6. Negotiation strategy and landlord/property manager email template
7. Questions to verify lease terms, local rules, and repair obligations
8. Timeline of decisions before the effective date
9. Spreadsheet layout for comparing apartments and total monthly cost
10. Red flags that suggest seeking tenant/legal or financial advice

Keep the guidance practical, calm, and numbers-first while respecting housing stress.