Your lender's number and your real number are different.
We show you the one that actually matters.
See Your Real NumberFree to useYour data stays privateBased on lending standards
Austin Home — $500,000
Affordability Verdict
STRETCHHousing costs reach 31% of net income — 3 points above the 28% safe threshold.
Housing Ratio
31.4%
Debt Burden
38.6%
Monthly Surplus
$1,872
Runway
4.8 mo
Here's what we reveal
Your actual take-home pay
After federal and state taxes, FICA, and deductions — what actually hits your account.
What your life already costs
Food, transport, subscriptions, debt payments — your non-negotiable baseline.
Your affordability verdict
Not just "can you get approved" — can you live comfortably after buying?
“I was about to stretch into a $600k home. This showed me I’d have $400/mo left after everything. We found a place at $450k and sleep fine.”
“My lender approved me for $520k. This tool showed me that would put me at RISKY with 2 months of runway. Nobody else told me that.”
“Finally a tool that shows the real number — not just the mortgage payment but everything. Taxes, insurance, PMI, all of it.”
Try it with your numbers
Annual Income
Home Price
Down Payment
Tax Situation
Most states
Your Verdict
44% of take-home pay
Est. $3,286/mo housing · $7,500/mo net
These are estimates. Your actual result may differ. Sign up for a precise calculation.
See your full breakdownEstimate uses 25% effective tax, 7% rate, 30yr term. Doesn't account for existing debts or monthly expenses.
How we calculate
We start from your actual take-home pay — not your gross salary. We apply the same 28% housing ratio and 36% debt-to-income thresholds that lenders use to evaluate risk. Then we factor in property taxes, homeowner's insurance, and PMI to show your true all-in monthly cost. No guesswork, no hidden assumptions.
Your data is encrypted and never sold. We don't share your information with lenders or third parties.
See our full methodology →