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Can I Afford This House?

Put in the price you are looking at, your deposit, the rate a lender quoted and your monthly income. You get the full monthly housing cost and the share of your income it takes, on a colour band from comfortable to high.

  • Free, no sign-up
  • Formula shown
  • 2 minutes
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Can I Afford This House?: Monthly payment, share of income and a comfort band, formula shown.
Can I Afford This House?

Your numbers

Example figures are filled in. Replace them with yours.

Your result

Show the formula
Go deeper with Mortgage Affordability & Comparison Calculator: every line, a filled example and charts.

Educational only. Arithmetic on the numbers you enter, not a quote or advice. Rules and costs differ by country and state; check your local rules.

Made for this step

The tools that go further

Picked for what this calculator works out. Each one starts with a filled example.

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The Home Buyer Bundle

The Home Buyer Bundle

Budget, view, offer and close with the numbers and the steps in front of you.

  • The Offer Playbook
  • Accepted Offer Doesn't Always Mean the Deal Is Final
  • The First-Time Buyer's Closing Kit
  • Mortgage Affordability & Comparison Calculator
  • + 2 more tools
$47 $117 separatelySee the bundle
How it works

Three steps, two minutes

  1. 1Enter your numbers

    Replace the example figures with yours. The result updates as you type.

  2. 2Read the result

    The big number first, then the breakdown and the formula.

  3. 3Take the next step

    Use the guide and the spreadsheet below to act on the number.

What your result means

Can I Afford This House?, in plain words

Many lenders and planners use 28% of gross income for housing and 36% for all debts as rough guides. They are rules of thumb, not lender rules: your own budget decides what feels safe.

The Home Buyer Bundle · $47

Guides that use this number

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Questions

About this tool

Is this calculator free?

Yes. No sign-up, no email, and nothing you type leaves your browser.

Is the result advice?

No. It is arithmetic on the numbers you enter. Rules, rates and costs differ by country and state, so confirm figures with a licensed professional.

Can I see the formula?

Yes. The formula sits under every result so you can check it or redo it by hand.

Not sure where to start?

Tell us what is happening and we will point you to one tool, one guide and one bundle.

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