Sabien,
I'm new to this too, so my calculations may be all out of whack, but here is what I put together in order to see if I could afford the monthly upkeep. I believe this is very conservative because the heater won't run 24x7, and I doubt I'll routinely use the amount of water I listed. I also will likely not be running my lights for the length of time listed. I got the water and electric prices from my local companies...
Electric rate this is based on is $0.07086 per Kilowatt Hour (kwh).
Water/sewer rate this is based on is $4.07 per 1000 gallons.
Electricty:
Lights x 14 hours per day (360 watts) = 5.04 kwh per day.
Pumps x 24 hours per day (42 watts) = 1.008 kwh per day.
Skimmer x 10 hours per day (20 watts) = 0.2 kwh per day.
Heater x 24 hours (200 watts) = 4.8 kwh per day.
Total = 11.048 kwh per day x 30 days = 331.44 kwh per month.
Electric Cost per month = $23.49 (331.44 kwh x $0.07086/kwh)
Water:
Water at 100 gallons per month (RO/DI water) at 1 gallon out for every 5 gallons in = 500 gallons/month total used.
Water/sewer Cost per month = $4.08 (500 gallons of water in = $2.04 + 500 gallons of sewer = $2.04).
Total cost per month = $27.57
Also, Reefcentral has an electricity calculator that you can try out:
http://www.reefcentral.com/calc/tank_elec_calc.php