Your lender's number and your real number are different.
SyntheFi shows you the one that actually matters — based on your take-home pay, your real monthly costs, and what you need left over.
No account required · Your data stays on your device · No affiliate lenders
AFFORDABILITY VERDICT
Housing costs reach 32% of net income — 4 points above the 28% safe threshold.
Housing Ratio
31.4%
Total DTI
38.6%
Monthly Cost
$2,341
Surplus
$1,209
Here's what we reveal
Your actual take-home pay
$7,450/moWe start from your net income after federal and state tax — not the gross salary lenders use to qualify you.
What your life already costs
$3,900/moHousing, food, transport, insurance, subscriptions — your real monthly burn rate before any mortgage.
Your affordability verdict
SAFEA clear assessment tied to your actual numbers: Safe, Stretch, Risky, or Not Viable.
“I was pre-approved for $600k but SyntheFi showed me I'd be stretched thin. I bought at $450k and sleep better.”
Sarah M.
First-time buyer, Austin TX
“The all-in monthly cost was $800 more than what my lender quoted. Taxes, insurance, PMI — it all adds up.”
James K.
First-time buyer, Denver CO
“Finally a tool that uses my actual take-home pay. The verdict changed how I think about what I can afford.”
Maria L.
First-time buyer, Portland OR
What your verdict looks like
Enter your numbers to unlock a personalized affordability verdict.
Annual Income
Home Price
Down Payment
Location
Your data is never sold or shared.
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Your verdict unlocks after onboarding
We calculate your real affordability using 2026 tax brackets, Fannie Mae QM standards, and your actual take-home pay.
Build Your Financial ProfileHOW WE CALCULATE
Built on lending standards, not guesses
Thresholds based on Fannie Mae and CFPB Qualified Mortgage standards. We use 2026 federal and state tax brackets to estimate your actual take-home pay — not the gross income lenders use.
Read our full methodology →YOUR PRIVACY
Your data, your control
- ✓No bank account connection required
- ✓No transaction tracking or credit checks
- ✓Data encrypted at rest and in transit
- ✓Delete your data at any time
- ✓No affiliate lenders — we never sell your info