Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Mortgage Affordability Calculator

Estimate the maximum home price you can afford given your annual income, existing monthly debt payments, and down payment, applying the traditional 28% front-end debt-to-income rule. Use it as a starting point before getting pre-approved by a lender.

Annual Income ($)

Monthly Debt Payments ($)

Down Payment ($)

Fill in the required fields to see your result.

Debt

Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio — the percentage of your gross monthly income that goes to debt payments — exactly the way mortgage lenders compute it. Use it to gauge how lenders will view your application and to identify whether your debt load is comfortable, stretched, or risky.

Gross Monthly Income ($)

Mortgage/Rent Payment ($)

Credit Card Payments ($)

Auto Loan Payments ($)

Other Debt Payments ($)

Fill in the required fields to see your result.

Key differences

	Mortgage Affordability Calculator	Debt-to-Income Ratio Calculator
Category	Financial	Debt
Inputs required	3	5
Result	Maximum Home Price ($)	Debt-to-Income Ratio (%)
What it does	Estimate the maximum home price you can afford given your annual income, existing monthly debt payments, and down payment, applying the traditional 28% front-end debt-to-income rule. Use it as a starting point before getting pre-approved by a lender.	Calculate your debt-to-income ratio — the percentage of your gross monthly income that goes to debt payments — exactly the way mortgage lenders compute it. Use it to gauge how lenders will view your application and to identify whether your debt load is comfortable, stretched, or risky.