🏡
Loading your affordability check...
Enter your income and debts to see what you can afford
—
Recommended Price
🚨
Bank Maximum
—
43% DTI limit
💰
Comfortable
—
28% DTI target
✅
Recommended
—
Sweet spot
📊
Your DTI
—
Debt-to-income ratio
🎯 The Verdict
Enter your financial details below.
💵 Your Finances
Gross monthly income and existing debts
🏠 Three Price Tiers
What the bank says vs what your life can handle
What this means in plain English
Your affordability numbers show what a bank will approve, what's comfortable for your lifestyle, and what's actually recommended based on your income. These three numbers are often very different.
What you should do next
- Lead with your comfortable price — not the bank's max. The bank's limit stretches your budget to the breaking point.
- Get a pre-approval letter in hand before touring homes — sellers won't take you seriously without one.
- Every 0.5% drop in interest rate adds roughly 5% to your buying power — check rates from 3+ lenders.
- If the gap between comfortable and bank-max is large, pay down high-interest debt first to improve your DTI ratio.
Know Your True Home Budget Before You Fall in Love With a House
Pro tracks rate changes over time, models different down payment scenarios, and alerts you when you hit your savings target.
Rate trackingDown payment plannerDTI monitorSavings alerts
Try Pro free for 14 days →
🏠
Three Price Tiers Compared
Maximum, comfortable, and recommended — side by side
📊
DTI Deep Dive
Your debt-to-income ratio at each price tier
💰
Down Payment Scenarios
How 5%, 10%, and 20% down changes what you can afford
Three Price Tiers
Monthly Payment at Each Tier
DTI at Each Price Point
Payment Breakdown
House Affordability Report
Vault & Vessel Studio ·
📖
How To Use
Find your real home budget — not what the bank approves, but what your life can handle
🚀 Getting Started
1
Enter Your Income
Gross monthly income (before taxes — what your employer pays you, not what hits your bank account).
2
Add Monthly Debts
Car payments, student loans, credit card minimums, personal loans — everything with a monthly payment. Don't include utilities or subscriptions.
3
See Three Price Tiers
Bank maximum (what you qualify for), comfortable (with lifestyle room), and recommended (the sweet spot). The gap between them is eye-opening.
4
Test Down Payments
See how 5%, 10%, and 20% down changes your monthly payment and DTI. More down = more house for the same monthly cost.
📊 Terms Made Simple
DTI (Debt-to-Income): All your monthly debt payments (including the new mortgage) divided by your gross monthly income. Lenders cap this at 43-50%. Below 36% is healthy. Below 28% is comfortable.
Bank Maximum: The most expensive house a lender will approve you for — based on 43% DTI. Just because you qualify doesn't mean you should buy at this level. It leaves zero room for life.
28% Rule: Financial planners recommend spending no more than 28% of gross income on housing. This is the "comfortable" tier — you can still eat out, travel, and save.
PMI (Private Mortgage Insurance): If your down payment is less than 20%, lenders charge 0.5-1% of the loan annually as insurance. On a $300K loan, that's $125-250/mo extra. It drops off once you hit 20% equity.
🔒 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 financial advice. Actual approval depends on credit score, employment history, and lender requirements. Use as a budget planning tool, not gospel.