Enter the home's price and your financial details to see your true affordability
Your Results
Purchase Price
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All-In Monthly Cost
?Total monthly housing costs including mortgage, taxes, insurance, PMI (if applicable), utilities, maintenance, and HOA fees.
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Your Home Slice
?Your housing costs as % of income. Under 30% = Comfortable, 30–38% = Tight, 38%+ = House-poor risk.
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of income
Lender DTI (Reference)
?Debt-to-Income ratio that lenders use. Includes housing costs plus other debts. Lenders typically require this to be under 43%.
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Monthly Cost Breakdown
Principal & Interest-
Property Tax (est.)
?Annual property tax divided by 12. Based on your area's tax rate and home value.-
Homeowners Insurance
?Protects your home and belongings. Estimated at 0.4% of home value annually.-
PMI
?Private Mortgage Insurance — required when down payment is less than 20%. Protects the lender.-
Utilities
?Estimated monthly utilities based on home size. We estimate square footage from the purchase price (~$200/sqft), then apply $0.18/sqft/month for electric, gas, water, trash, and internet. Capped between $150–$600/month.-
Maintenance (1% annually)
?Rule of thumb: budget 1% of home value per year for repairs and maintenance.-
HOA Fees
?Homeowners Association fees if applicable. Covers shared amenities and maintenance.-
TOTAL ALL-IN MONTHLY-
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AI Accountant
🏢 Your Budget If You Rented Instead
Based on your income — what life looks like renting at a healthy 30% of take-home
Monthly Take-Home
(after ~25% taxes)
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🏢 Rent (30% of take-home)-
💳 Existing Debts-
⚡ Utilities (est.)-
🛒 Groceries & Food (est.)-
🚗 Transportation (est.)-
🎉 Personal & Fun (est.)-
💰 Left Over (savings)-
What your life looks like
Estimated based on your income — adjust household size to see how costs change.
👨👩👧 People in the household
Affects food & personal estimates
1
123456+
Estimated Monthly Take-Home Pay
(after ~25% taxes)
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🏠 Housing (all-in)-
💳 Existing Debts-
🛒 Groceries & Food (est.)-
🚗 Transportation (est.)-
🎉 Personal & Fun (est.)-
💰 Left Over (savings/misc)-
* Estimates only — everyone's spending is different. Use this as a gut check, not a financial plan.
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