Smart Home-Buying Calculator
How much home can you afford?
Not how much a bank will lend you, but how much you can afford without your mortgage taking over your life. Run the numbers, check your readiness and build your personal home-buying game plan.
1. Your financial picture
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2. Your affordability snapshot
Estimated comfortable home price
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Within your target
Estimated loan
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Down payment
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Monthly housing cost
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Housing % of income
0%
Mortgage principal & interest
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Property tax / charges
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Insurance
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Maintenance reserve
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Total monthly housing cost
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3. Your financial safety net
These two questions make your readiness score much more
realistic. Your answers are used only in this calculator.
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Include money that is genuinely available for emergencies,
not money already committed to the house purchase.
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Estimate the cash you expect to keep after paying your
down payment and other upfront costs.
🏠 Home Buying Readiness Score
A mortgage you can technically afford is not necessarily a mortgage you are financially ready to take on.
0
out of 100
Enter your numbers to see your readiness level.
Emergency savings
0/20
Down payment
0/20
Debt burden
0/20
Monthly affordability
0/20
Closing-cost readiness
0/20
What you're doing well
Your strongest area will appear here.
Your biggest opportunity
Your biggest improvement opportunity will appear here.
🧭 Your Home-Buying Game Plan
Here is what your numbers suggest you should focus on
before committing to a mortgage.
Target home price
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Recommended emergency fund
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Estimated closing costs
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Cash buffer after purchase
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Your biggest priority:
Your personalised priority will appear here.
1
Review your emergency fund.
2
Protect your monthly cash flow.
3
Account for closing costs and upfront expenses.
4
Recalculate before making a final purchase decision.
