Free House Affordability Calculator — What You Can vs Should Spend

Last updated: April 17, 2026

MoneyMath's house affordability calculator separates what a lender may approve from what may be comfortable by comparing bank maximum, conservative, and monthly-budget-based home price targets.

Free to useRuns in your browserTransparent assumptions

Free house affordability calculator showing three targets: bank max, comfortable, and conservative. See the monthly reality check and hidden costs of buying more house.

Use the House Affordability Calculator to compare realistic scenarios before making a money, health, or planning decision.

Adjust the inputs and review the result breakdown so you can see which assumptions matter most.

How to use this calculator

Step 1Enter your starting information. Add the core inputs requested by the House Affordability Calculator, such as amounts, dates, rates, income, weight, or other scenario details.
Step 2Review the calculated result. Read the headline answer first, then scan the supporting breakdown, chart, or comparison table.
Step 3Compare another scenario. Change one input at a time to understand what drives the result and which option is most realistic.

Formula, Sources & Assumptions

Assumptions

Results are estimates for planning and education.
Actual costs, taxes, rates, or outcomes may differ based on personal circumstances and updated rules.