Home Affordability Budget Planner
How much should you spend on housing? That's different from how much a lender will approve. This budget planner helps you see a sustainable range based on your income, taxes, and life goals—using a Conservative Budget (50/30/20 on net income) and a Lender Maximum (28% of gross) for comparison.
The calculator includes the full payment: principal, interest, property taxes, homeowners insurance, mortgage insurance, CDD fees, and homeowners association fees. It's educational—to help you plan what fits your budget, not what a lender will approve.
Want to know what a lender will let you borrow? Use our lender affordability calculator—it's based on debt-to-income limits and includes your debts.
Home Affordability Budget Planner
Your numbers
0 if no state income tax
Enter your gross monthly income to see your affordable mortgage range.
Don't fit these typical categories?
Build out your full budget in our tool. Also see our 50/30/20 budget guide.