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.
Free Affordability Calculators
13 toolsHome affordability, DTI ratios, PITI, and housing budget calculators. Browse our free affordability tools below — no sign-up required.
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 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.
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 quickly.
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.
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.
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.