Buying a home is the largest financial decision most people ever make, and the numbers behind it are too often explained in jargon or hidden inside a lender's sales funnel. MortgageAfford exists to put that math in plain language, so you can walk into the process already knowing what you can comfortably afford.
The calculators here are built on the standards lenders and regulators actually use. Affordability follows the 28/36 debt-to-income rule that underwriters apply. The life-insurance tool uses the DIME method. Refinance decisions use a straightforward break-even calculation, and home-equity borrowing respects the common 80 percent loan-to-value cap. Where a figure comes from an authority such as the Consumer Financial Protection Bureau or Freddie Mac, we say so.
Nothing here requires an account, and the calculators run in your browser without storing what you type. The site stays free through advertising.
MortgageAfford is researched and edited by Dana Whitfield, who explains home-affordability and personal-finance math for a living. Dana is not a licensed financial advisor, mortgage broker, or tax professional, and every tool produces an educational estimate rather than personalized advice. For anything specific to your situation, please speak with a licensed professional. Questions and suggestions are welcome on the contact page.