Lenders vs Reality
Banks approve mortgages based on debt-to-income ratios, not your actual comfort. This calculator shows what may fit your lifestyle more realistically.
FINANCE · FREE ONLINE TOOL
How Much House Can I Really Afford?
A realistic mortgage calculator that considers your lifestyle expenses.
How to use this calculator
- 1Enter monthly income.
- 2Add your core living expenses.
- 3Review a more realistic home budget.
Common questions
Why is this different?
Lenders approve based on debt ratios, but this calculator focuses on what may feel comfortable in your real monthly budget.
Keep exploring
Something doesn’t look right? Tell us what you entered and what happened. Read our editorial approach.