House Affordability Calculator

How much house your income supports, once existing debts and running costs are counted.

Gross monthly income

Before tax. Lenders usually work from gross income.

Existing monthly debt payments

Car loans, student loans, credit card minimums, personal loans.

Down payment available

Expected interest rate

Term years

Maximum debt-to-income ratio

36% is a common conservative ceiling. Some lenders go to 43% or higher.

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Free calculator by Calculators worked examples and methodology No account, nothing stored.