Skip to content
Calculator Collection

Compare calculators

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

Financial

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.

Fill in the required fields to see your result.
Financial

Mortgage Payment Calculator

Estimate the full monthly cost of owning a home — principal, interest, property tax, and homeowner's insurance — bundled into the single number lenders call PITI. Enter your loan amount, interest rate, loan term in years, annual property tax, and annual home insurance, and the calculator returns the monthly payment you would actually send (excluding PMI and HOA fees, which vary widely). This is the figure to compare against your monthly budget when deciding whether a home is affordable, and the figure mortgage lenders use to qualify you against debt-to-income limits.

Fill in the required fields to see your result.

Key differences

Mortgage Affordability CalculatorMortgage Payment Calculator
CategoryFinancialFinancial
Inputs required35
ResultMaximum Home Price ($)Monthly Payment (PITI) ($)
What it doesEstimate 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.Estimate the full monthly cost of owning a home — principal, interest, property tax, and homeowner's insurance — bundled into the single number lenders call PITI. Enter your loan amount, interest rate, loan term in years, annual property tax, and annual home insurance, and the calculator returns the monthly payment you would actually send (excluding PMI and HOA fees, which vary widely). This is the figure to compare against your monthly budget when deciding whether a home is affordable, and the figure mortgage lenders use to qualify you against debt-to-income limits.