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

Home Affordability Calculator (Max Loan)

Estimates the largest mortgage you can afford based on your income, existing debts, a target debt-to-income ratio, and current loan terms. It converts your maximum affordable monthly payment into a loan amount.

Gross Annual Income ($)

Existing Monthly Debt Payments ($)

Target Debt-to-Income Ratio (%)

Mortgage Interest Rate (%)

Loan Term (years)

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 ($)

Key differences

	Home Affordability Calculator (Max Loan)	Debt-to-Income Ratio Calculator
Category	Real Estate	Debt
Inputs required	5	5
Result	Maximum Loan Amount ($)	Debt-to-Income Ratio (%)
What it does	Estimates the largest mortgage you can afford based on your income, existing debts, a target debt-to-income ratio, and current loan terms. It converts your maximum affordable monthly payment into a loan amount.	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.