Is this house affordability calculator free?

Yes, completely free with no signup required. All calculations run in your browser.

Does my data leave my device?

No. Your income and financial details never leave your device.

Yes. The tool is mobile-first and works on iPhone Safari and Android Chrome.

House Affordability Calculator

Enter your income, existing debts, and down payment to find the maximum home price you can comfortably afford using standard lender guidelines.

100% client-side · no upload

Annual Gross Income ($)

Monthly Debt Payments ($)

Car payments, student loans, credit cards, etc.

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Max Home Price

$350,000

Est. Monthly Payment

$2,000

Max Loan Amount

$300,000

Based on 28% housing ratio and 36% total DTI rule.

Enter your annual gross income and total monthly debt payments.
Enter your available down payment and the expected mortgage interest rate.
The calculator applies the 28/36 debt-to-income rule to find your maximum home price.

First-time buyers: Get a realistic price range before you start shopping.
Down payment planning: See how saving more upfront expands your buying power.
Rate sensitivity: Compare affordability at 6% vs 7.5% rates.

Is this house affordability calculator free?: Yes, completely free with no signup required. All calculations run in your browser.
Does my data leave my device?: No. Your income and financial details never leave your device.
Does it work on mobile?: Yes. The tool is mobile-first and works on iPhone Safari and Android Chrome.