There are a few reasons to move to all-grain brewing.
- Cost per batch is lower.
- More control over recipes.
- Learning the chemistry behind brewing.
- Bragging rights.
- You get to convince SWMBO that you *need* that fancy equipment.
I understand that there are budgetary issues. That said, there is absolutely nothing wrong with brewing from extract. Many fine beers have been made using extract kits or recipes. In fact, the best batch of beer that I've made was an extract kit (the last extract batch I made before switching to all-grain). Try as I might, I can't get the recipe dialed in quite right for it.
If I were the OP (or somebody else thinking about the switch), I would sit down and evaluate why you want to switch and what you can do to ease yourself into the transition: BIAB, Batch Sparging, Brew with a friend... If you want to make the transition, make a list of the equipment that you need (a kettle that is 30 quarts MINIMUM), a way to chill 5 gallons of wort that is in the 212* range, a way to bring 6.5 gallons of water to a boil in a reasonable time (you can do it on your electric stove, but it will take a looong time to boil, but not too long. remember, you're starting out with wort that is about 165*, so you only have to increase the temp by 47*) and something to mash your grains in.
As far as all of the calculations go... do NOT let that scare you. Download Brewtarget and look on here for some recipes and play around a bit (and perhaps do a bit of fantasizing). You'll notice that you really don't need to do a bunch of calculations. Most software will tell you what temperature your strike water should be if you want to mash at 152* and your grains are at room temperature (hint: I normally heat my strike water to 165* and adjust and use sparge water that is 170*).
When you're ready to make the jump, watch lots of YouTube videos and/or brew with some members of your local brew club or even go to the How To Brew Day at your local brew shop. Lots of brew shops have free classes (although so charge and I can't figure out why). Once you're brewing all-grain, you'll want to know more... which yeasts do what, the flavor profiles of hops, the difference between 2-row and 6-row barley (nearly none now) and you can learn a lot.
In short, if you don't think that you can afford what it takes (in your mind) to make the switch, buy a bit of equipment at a time or save up. Most of all, even if you screw up, you'll still end up with beer.
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