Home affordability, DTI ratios, PITI, and housing budget calculators. Browse our free affordability tools below — all calculators are instant, accurate, and require no sign-up.
Back-End Ratio Calculator — Calculate your back-end debt-to-income ratio by adding housing costs and all monthly debts then dividing by gross income. Target: 36% or lower.
Break-Even Rent vs Buy Calculator — Find the exact number of years where buying becomes cheaper than renting cumulatively. Solve for the break-even period based on your inputs and market data.
Co-Borrower Income Calculator — Calculate combined income with a co-borrower to see the impact on DTI ratio, maximum loan amount, and purchasing power for mortgage qualification.
Front-End Ratio Calculator — Calculate your front-end debt-to-income ratio by dividing total housing expenses by gross monthly income. Check if you meet the 28% conventional threshold.
HOA Cost Impact Calculator — See how HOA fees reduce your home affordability by recalculating total monthly housing costs as PITI plus HOA and adjusting your maximum purchase price.
Home DTI Ratio Calculator — Calculate your front-end and back-end debt-to-income ratios and compare them against conventional, FHA, and VA lending thresholds instantly.
Home Affordability Calculator — Calculate the maximum home price you can afford based on your income, debts, interest rate, loan term, taxes, and insurance using the 28/36 DTI rule.
How Much House Can I Afford Calculator — Enter your desired monthly payment and back-solve the maximum home purchase price you can afford with current interest rates and loan terms.
Monthly Housing Budget Calculator — Calculate your ideal monthly housing budget from income and target percentage. See how taxes, insurance, and HOA consume the budget before mortgage P&I.
PITI Calculator — Calculate your total monthly PITI payment: Principal & Interest plus property tax, homeowner's insurance, and PMI for a complete housing cost picture.
Pre-Approval Estimate Calculator — Estimate your maximum mortgage pre-approval amount based on income, debts, credit tier, interest rate, and loan program DTI limits. Know your budget.
Rent vs Buy Calculator — Compare the net present value of renting versus buying over N years, including equity buildup, home appreciation, tax benefits, and opportunity cost of capital.
Price-to-Income Ratio Calculator — Calculate your home price-to-income ratio and compare it to the recommended 3–5× benchmark. Assess whether a home is affordable relative to your earnings.