π Home Affordability Calculator
Free online home affordability calculator. Calculate how much house you can afford based on income, down payment, and debts. Client-side. Try now!
Updated: 2026-07-11
How to Use
Enter your annual income, monthly debts, down payment, interest rate, and loan term.
Using the 28/36 rule, calculates how much house you can afford, estimated monthly payment, and DTI ratio assessment.
How Much House Can I Afford?
This home affordability calculator uses the 28/36 rule to estimate how much house you can afford. Enter your annual income, monthly debts, down payment, interest rate, and loan term to get a realistic price range instantly.
Use Cases
- Budget your home purchase before meeting a real estate agent
- Compare loan terms (15 vs 20 vs 30 years) side by side
- See how a bigger down payment lowers your monthly payment
- Check if your debt-to-income ratio stays within lender limits
Key Features
- Completely Free: No registration, no limits
- Privacy Safe: Data never leaves your browser
- Cross-Platform: Any modern browser
- Zero Dependencies: Open and use