Mortgage Affordability Calculator
Find the home price you can afford based on DTI
Use this when you need a fast, accurate result — no sign-up, works entirely in your browser.
Maximum home price (28/36 rule)—
Max monthly PITI—
Estimated loan principal—
How to Use
- Enter your details into the fields above.
- Click the calculate button to get your result instantly.
- Use the clear button to start a new calculation.
Example
- Monthly income $8,000, 36% DTI, 6.5% APR, 30 years → Max home price ≈ $47,463 (max loan ≈ $37,970)
- Income $120k, debts $500/mo, 6.5%, 30 yr, $40k down → Max home price ≈ $419,706; max monthly payment $2,800
Formula
Max monthly P&I = income × DTI / 12. Loan = payment × (1 − (1+r)−n) / r, with r = APR/12 and n = 360. Assumes 20% down payment; adjust the divisor if your down payment differs.
About Mortgage Affordability Calculator
Find the home price you can afford based on DTI. This free online tool gives you fast, accurate results without registration or downloads.
Everything runs locally in your browser, so your data is never uploaded or stored — privacy first.
Frequently Asked Questions
Is this tool free to use? +
Yes, it is completely free with no registration or download required.
Is my data private? +
Yes. Everything is processed locally in your browser. Nothing is uploaded or stored on our servers.
Does it work on mobile? +
Yes, it works on any device — phone, tablet, or desktop.