TryFinCalc

Affordability Calculator

Find out your ideal home price range based on your income and illustrative US budgeting assumptions.

Affordability Calculator

Find out how much house you can afford based on your income and debts. Plan your budget with confidence. Free and requires no sign-up. Try it at TryFinCalc.

Illustrative US budget: housing capped at 28% of gross income and housing plus other debt at 36%. These are documented planning assumptions, not universal lender rules or approval estimates. Tax, insurance, HOA and PMI are excluded here, so the displayed ceiling can overstate a usable purchase budget. Currency changes do not change these assumptions.

Include base salary and any recurring income sources.

Auto loans, personal loans, or other commitments.

Savings used for the purchase.

Market Assumptions

Estimates update as you edit. Calculation assumptions

Estimated Home Price

$458,456

Max Monthly Budget

$2,100

Max Loan Amount

$408,456

Housing Affordability Standards

Lenders typically evaluate your budget based on stable debt-to-income (DTI) ratios. This ensures you have enough residual income for living expenses, maintenance, and future savings after your mortgage is paid.

What to do next

Understand debt-to-income ratios

Learn how income and debts affect a housing budget.

Go

Debt-to-Income

Understand how lenders view your finances.

Go

Savings Plan

Maximize your borrowing power through savings.

Go

Worked affordability assumptions

See how debt, down payment, rate, property tax, and insurance change one transparent planning example.

$70,000 salary debt sensitivity$80,000 salary affordability sensitivity$90,000 salary down-payment sensitivityIncome needed for a target house price

A budgeting ceiling is not lender approval

This is an illustrative US gross-income budget: the smaller of 28% of monthly gross income and 36% of gross income minus other monthly debts, floored at zero. The remaining payment budget is converted into principal at the chosen rate and term, then the down payment is added.

The core tool excludes tax, insurance, HOA and PMI from its ceiling. Those costs consume part of a real housing budget, so the displayed amount can overstate a usable price. Use the mortgage tool and local quotes to test a specific property.

Different lenders and loan products use different DTI limits and also evaluate credit, assets and other factors. The 28/36 values are planning assumptions, not universal qualification limits. Displaying euros does not make them European underwriting rules.

Same illustrative budget with different debts: gross income $7,500.00/month, down payment $50,000.00, 6.5%, 30 years. Tax, insurance, HOA and PMI excluded.
Other monthly debtP&I budgetPrice ceiling
$0.00$2,100.00$382,242.72
$500.00$2,100.00$382,242.72
$1,000.00$1,700.00$318,958.39

Assumptions 2026-09-20.1. Formulas, rounding, tests and primary sources. These estimates do not provide financial advice or predict approval.