🏠
Your comfortable home price range
Based on your income and debts
$340K
Comfortable Price
🚧
Bank Max
$425K
Max you qualify for
💚
Comfortable
$340K
Keeps life enjoyable
💰
Monthly Payment
$2,180
At comfortable price
📈
DTI Ratio
32%
Debt-to-income
🎯 The Verdict
Loading...
💰 Your Finances
Income, debts, and down payment
🏠 Three Price Tiers
Max, comfortable, and recommended
What this means in plain English
Enter your annual income, monthly debts, down payment, and interest rate to see a plain-English read of what you can actually afford.
What you should do next
- Fill in your numbers above and your personalized action plan will appear here.
Know what "affordable" really means for your income — before you talk to a lender
Save your numbers, model different down payments and rates, and understand how income changes affect your buying power.
Affordability range calculatorDTI ratio trackerRate sensitivity analysisPrintable affordability reports
Try Pro free for 14 days →
💰
Monthly Payment Breakdown
Where every dollar of your payment goes
💲
Down Payment Scenarios
See how 5%, 10%, and 20% change your numbers
📈
DTI Ratio Analysis
How lenders evaluate your debt load
Price Tiers Comparison
Monthly Payment Allocation
Down Payment Impact
DTI at Each Price Tier
Home Affordability Report
Vault & Vessel Studio ·
📖
How To Use
Find the home price that fits your life — not just your qualification
🚀 Getting Started
1
Enter Your Income
Annual gross income (before taxes). Include all regular income sources — salary, bonuses, side income.
2
Add Monthly Debts
Car payments, student loans, credit card minimums, child support. NOT rent, utilities, or food.
3
See Three Price Tiers
Bank max (what you qualify for), comfortable (leaves room for life), and recommended (sweet spot).
4
Check Your DTI
The DTI gauge shows if your debt load is healthy. Lenders cap at 43%, but 28-33% is the sweet spot.
📊 Terms Made Simple
DTI (Debt-to-Income): Your total monthly debts divided by your gross monthly income. Lenders use this to decide how much you can borrow. Under 36% is healthy, over 43% is risky.
PMI (Private Mortgage Insurance): Extra monthly charge if your down payment is less than 20%. Usually 0.5-1% of the loan amount per year. Goes away once you hit 20% equity.
PITI: Principal + Interest + Taxes + Insurance — the four components of your total monthly housing payment. When people say "monthly payment," THIS is the real number.
28/36 Rule: Spend no more than 28% of gross income on housing, 36% on total debt. This is the "comfortable" number — it keeps room for saving, fun, and emergencies.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not a mortgage pre-approval. Actual loan amounts depend on credit score, employment history, and lender requirements. Consult a mortgage professional.