Home Affordability Calculator

Max home price from income, debts and rate.

Input Parameters

Annual income

Monthly debts

Down payment

Rate (%)

Term (years)

Calculation Summary

Max home price$392242.721

Monthly Payment$2100

Loan Amount ($)$332242.721

175 available

Annuity and differentiated monthly installments, interest breakdown, and amortization schedule.

Calculate PITI (Principal, Interest, Taxes, Insurance), PMI, and accelerated payoff savings.

Visualize compound growth with recurring deposits, annual rate, and investment horizons.

Add or extract Value Added Tax (VAT) with international country presets.

Analyze profitability and percentage return on business capital and investments.

Gross to net salary with income tax, social contributions and deductions, monthly and annual.

About this calculator

Max home price from income using 28/36 rules, debts, down payment, rate and term.

28/36 rule?

Housing ≤28% of gross monthly income; all debts ≤36%.

Debts impact?

Monthly debts shrink the back-end cap dollar for dollar.

Rate effect?

One point of rate moves the affordable price by roughly ten percent.