Most calculators only look at income. This one factors in your long-term wealth goals — so you can buy a home without compromising your financial future.
Buy the biggest home that still fits your future.
This calculator looks beyond lender approval. It estimates what you can buy after factoring in taxes, property costs, debt, your down payment, and the liquid wealth you want to preserve.
Shows conservative, balanced, and aggressive home-price ranges.
Accounts for assets, cash cushion, gifts, HOA fees, and taxes.
Helps avoid being approved for more house than you should actually buy.
Sample profiles
Use a sample profile to see how the calculator works, or skip these and enter your own numbers below.
Your Income
$
$
$
Counts toward mortgage eligibility only, not down payment.
Expenses & Debts
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Food, transport, subscriptions, etc.
$
Student loans, car loans, etc.
Assets & Wealth Goals
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Stocks, bonds, cash — not home equity.
$
Minimum liquid assets to retain after down payment.
$
Additional down payment from family or other source.
Home price is capped so you never put down less than this.
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Mortgage & Property Details
Enter a zip code to auto-calculate property tax
— auto-calculated
Enter zip code above
%
Leave blank to use county estimate.
Lenders may approve up to 45% but 36% is more sustainable.
%
$
Enter 0 if not applicable.
Your Results
After taxes, living expenses, and estimated home costs, your projected annual savings are negative. This limits down payment capacity but does not affect your mortgage eligibility based on income.
⚠ At this payment level, housing would consume 0% of your after-tax income, leaving limited room for living expenses and savings. Consider a lower DTI setting.
Key takeaway: Calculate your affordability to see the main constraint.
Conservative Preserves 100% of wealth goal
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Down payment—
Mortgage—
Monthly payment—
% down—
Projected wealth—
Wealth goal achieved—
Balanced
Balanced Preserves 85% of wealth goal
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Down payment—
Mortgage—
Monthly payment—
% down—
Projected wealth—
Wealth goal achieved—
Aggressive Preserves 70% of wealth goal
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Down payment—
Mortgage—
Monthly payment—
% down—
Projected wealth—
Wealth goal achieved—
Mortgage Affordability Breakdown
Total household income
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Monthly income
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Max monthly home payment
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Less: monthly debt obligations
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Less: HOA / condo fees
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Less: property tax (solved simultaneously)
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Max monthly mortgage payment
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Max mortgage size
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Down Payment and Home Price Breakdown
Current investable assets
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Less: cash cushion retained
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Maximum available for down payment
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Max down payment to preserve wealth goal
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Gift / additional contribution
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Total down payment
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Mortgage size used
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Minimum down payment applied
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Final home price
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Savings & Wealth Goal Breakdown
Household income after tax
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Effective tax rate
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Less: annual living expenses
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Less: estimated annual home costs
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Projected annual savings
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Financial assets needed today to achieve goal Assuming projected savings and investment return
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Projected assets at goal date
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Projected assets vs. goal
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This calculator is for informational purposes only and does not constitute financial, investment, or mortgage advice. Property tax rates are county-level ACS 2024 effective rates where available, falling back to state averages. Income tax calculations use 2025 progressive federal and state brackets based on your selected filing status. Results are estimates only. Consult a licensed mortgage professional and financial advisor before making any purchase decisions.