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Debt & home

Home affordability calculator

Before any lender approves anything, run your own budget rule: what loan and price can this income and down payment actually carry?

Inputs

Car loans, credit lines, other mortgages — everything already owed monthly.

Property tax, insurance, HOA/maintenance — as monthly figures at your locality. Enter 0 if none.

Scenario assumptions, not a lender’s approval. US convention: 28 / 36; a common zh heuristic: housing ≤ 50% of income.

e.g. 30 caps the price at down ÷ 0.3 when that is stricter. Leave 0 to disable.

Reference home price

2,073,676.13

reference loan 1,473,676.13 · down 28.9%

Max monthly P&I

6,700

Monthly payment

6,700

Binding constraint

housing-cost cap

Total interest

938,323.87

Housing 28.0% of income (cap 28%) · housing+debts 36.0% (cap 36%)

Monthly housing outlay — principal builds equity, the rest is cost

ItemAmount /mo
Principal & interest6,700
Tax0
Insurance0
Other housing cost300
Housing total7,000
+ other debts9,000

Amortization by year

YearPrincipalInterestBalance
127,803.4452,596.561,445,872.69
228,821.0451,578.961,417,051.65
329,875.8950,524.111,387,175.75
430,969.3549,430.651,356,206.40
532,102.8348,297.171,324,103.57
633,277.7947,122.211,290,825.78
734,495.7645,904.241,256,330.02
835,758.3044,641.701,220,571.72
937,067.0543,332.951,183,504.67
1038,423.7141,976.291,145,080.96
1139,830.0240,569.981,105,250.94
1241,287.7939,112.211,063,963.15
1342,798.9337,601.071,021,164.23
1444,365.3736,034.63976,798.86
1545,989.1434,410.86930,809.72
1647,672.3432,727.66883,137.38
1749,417.1530,982.85833,720.24
1851,225.8129,174.19782,494.43
1953,100.6827,299.32729,393.75
2055,044.1625,355.84674,349.59
2157,058.7723,341.23617,290.82
2259,147.1221,252.88558,143.70
2361,311.9119,088.09496,831.79
2463,555.9216,844.08433,275.87
2565,882.0714,517.93367,393.80
2668,293.3512,106.65299,100.45
2770,792.899,607.11228,307.56
2873,383.907,016.10154,923.66
2976,069.754,330.2578,853.90
3078,853.901,546.100
Month-by-month schedule
MoPaymentPrincipalInterestBalance
16,7002,278.974,421.031,471,397.16
26,7002,285.814,414.191,469,111.35
36,7002,292.674,407.331,466,818.68
46,7002,299.544,400.461,464,519.14
56,7002,306.444,393.561,462,212.70
66,7002,313.364,386.641,459,899.33
76,7002,320.304,379.701,457,579.03
86,7002,327.264,372.741,455,251.77
96,7002,334.244,365.761,452,917.53
106,7002,341.254,358.751,450,576.28
116,7002,348.274,351.731,448,228.01
126,7002,355.324,344.681,445,872.69
136,7002,362.384,337.621,443,510.31
146,7002,369.474,330.531,441,140.84
156,7002,376.584,323.421,438,764.26
166,7002,383.714,316.291,436,380.56
176,7002,390.864,309.141,433,989.70
186,7002,398.034,301.971,431,591.67
196,7002,405.234,294.771,429,186.44
206,7002,412.444,287.561,426,774.00
216,7002,419.684,280.321,424,354.32
226,7002,426.944,273.061,421,927.39
236,7002,434.224,265.781,419,493.17
246,7002,441.524,258.481,417,051.65
256,7002,448.854,251.151,414,602.80
266,7002,456.194,243.811,412,146.61
276,7002,463.564,236.441,409,683.05
286,7002,470.954,229.051,407,212.10
296,7002,478.364,221.641,404,733.74
306,7002,485.804,214.201,402,247.94
316,7002,493.264,206.741,399,754.68
326,7002,500.744,199.261,397,253.94
336,7002,508.244,191.761,394,745.71
346,7002,515.764,184.241,392,229.94
356,7002,523.314,176.691,389,706.63
366,7002,530.884,169.121,387,175.75
376,7002,538.474,161.531,384,637.28
386,7002,546.094,153.911,382,091.19
396,7002,553.734,146.271,379,537.47
406,7002,561.394,138.611,376,976.08
416,7002,569.074,130.931,374,407.01
426,7002,576.784,123.221,371,830.23
436,7002,584.514,115.491,369,245.72
446,7002,592.264,107.741,366,653.46
456,7002,600.044,099.961,364,053.42
466,7002,607.844,092.161,361,445.58
476,7002,615.664,084.341,358,829.91
486,7002,623.514,076.491,356,206.40
496,7002,631.384,068.621,353,575.02
506,7002,639.274,060.731,350,935.75
516,7002,647.194,052.811,348,288.55
526,7002,655.134,044.871,345,633.42
536,7002,663.104,036.901,342,970.32
546,7002,671.094,028.911,340,299.23
556,7002,679.104,020.901,337,620.13
566,7002,687.144,012.861,334,932.99
576,7002,695.204,004.801,332,237.79
586,7002,703.293,996.711,329,534.50
596,7002,711.403,988.601,326,823.10
606,7002,719.533,980.471,324,103.57
616,7002,727.693,972.311,321,375.88
626,7002,735.873,964.131,318,640.01
636,7002,744.083,955.921,315,895.93
646,7002,752.313,947.691,313,143.62
656,7002,760.573,939.431,310,383.05
666,7002,768.853,931.151,307,614.20
676,7002,777.163,922.841,304,837.04
686,7002,785.493,914.511,302,051.55
696,7002,793.853,906.151,299,257.71
706,7002,802.233,897.771,296,455.48
716,7002,810.633,889.371,293,644.85
726,7002,819.073,880.931,290,825.78
736,7002,827.523,872.481,287,998.26
746,7002,836.013,863.991,285,162.25
756,7002,844.513,855.491,282,317.74
766,7002,853.053,846.951,279,464.69
776,7002,861.613,838.391,276,603.09
786,7002,870.193,829.811,273,732.90
796,7002,878.803,821.201,270,854.10
806,7002,887.443,812.561,267,966.66
816,7002,896.103,803.901,265,070.56
826,7002,904.793,795.211,262,165.77
836,7002,913.503,786.501,259,252.27
846,7002,922.243,777.761,256,330.02
856,7002,931.013,768.991,253,399.02
866,7002,939.803,760.201,250,459.21
876,7002,948.623,751.381,247,510.59
886,7002,957.473,742.531,244,553.12
896,7002,966.343,733.661,241,586.78
906,7002,975.243,724.761,238,611.54
916,7002,984.173,715.831,235,627.38
926,7002,993.123,706.881,232,634.26
936,7003,002.103,697.901,229,632.16
946,7003,011.103,688.901,226,621.06
956,7003,020.143,679.861,223,600.92
966,7003,029.203,670.801,220,571.72
976,7003,038.283,661.721,217,533.44
986,7003,047.403,652.601,214,486.04
996,7003,056.543,643.461,211,429.50
1006,7003,065.713,634.291,208,363.79
1016,7003,074.913,625.091,205,288.88
1026,7003,084.133,615.871,202,204.74
1036,7003,093.393,606.611,199,111.36
1046,7003,102.673,597.331,196,008.69
1056,7003,111.973,588.031,192,896.72
1066,7003,121.313,578.691,189,775.41
1076,7003,130.673,569.331,186,644.73
1086,7003,140.073,559.931,183,504.67
1096,7003,149.493,550.511,180,355.18
1106,7003,158.933,541.071,177,196.25
1116,7003,168.413,531.591,174,027.84
1126,7003,177.923,522.081,170,849.92
1136,7003,187.453,512.551,167,662.47
1146,7003,197.013,502.991,164,465.46
1156,7003,206.603,493.401,161,258.85
1166,7003,216.223,483.781,158,042.63
1176,7003,225.873,474.131,154,816.76
1186,7003,235.553,464.451,151,581.21
1196,7003,245.263,454.741,148,335.95
1206,7003,254.993,445.011,145,080.96
1216,7003,264.763,435.241,141,816.20
1226,7003,274.553,425.451,138,541.65
1236,7003,284.383,415.621,135,257.28
1246,7003,294.233,405.771,131,963.05
1256,7003,304.113,395.891,128,658.94
1266,7003,314.023,385.981,125,344.91
1276,7003,323.973,376.031,122,020.95
1286,7003,333.943,366.061,118,687.01
1296,7003,343.943,356.061,115,343.07
1306,7003,353.973,346.031,111,989.10
1316,7003,364.033,335.971,108,625.07
1326,7003,374.123,325.881,105,250.94
1336,7003,384.253,315.751,101,866.70
1346,7003,394.403,305.601,098,472.30
1356,7003,404.583,295.421,095,067.71
1366,7003,414.803,285.201,091,652.92
1376,7003,425.043,274.961,088,227.88
1386,7003,435.323,264.681,084,792.56
1396,7003,445.623,254.381,081,346.94
1406,7003,455.963,244.041,077,890.98
1416,7003,466.333,233.671,074,424.65
1426,7003,476.733,223.271,070,947.93
1436,7003,487.163,212.841,067,460.77
1446,7003,497.623,202.381,063,963.15
1456,7003,508.113,191.891,060,455.04
1466,7003,518.633,181.371,056,936.41
1476,7003,529.193,170.811,053,407.21
1486,7003,539.783,160.221,049,867.44
1496,7003,550.403,149.601,046,317.04
1506,7003,561.053,138.951,042,755.99
1516,7003,571.733,128.271,039,184.26
1526,7003,582.453,117.551,035,601.81
1536,7003,593.193,106.811,032,008.62
1546,7003,603.973,096.031,028,404.64
1556,7003,614.793,085.211,024,789.86
1566,7003,625.633,074.371,021,164.23
1576,7003,636.513,063.491,017,527.72
1586,7003,647.423,052.581,013,880.30
1596,7003,658.363,041.641,010,221.94
1606,7003,669.333,030.671,006,552.61
1616,7003,680.343,019.661,002,872.27
1626,7003,691.383,008.62999,180.88
1636,7003,702.462,997.54995,478.43
1646,7003,713.562,986.44991,764.86
1656,7003,724.712,975.29988,040.16
1666,7003,735.882,964.12984,304.28
1676,7003,747.092,952.91980,557.19
1686,7003,758.332,941.67976,798.86
1696,7003,769.602,930.40973,029.26
1706,7003,780.912,919.09969,248.34
1716,7003,792.252,907.75965,456.09
1726,7003,803.632,896.37961,652.46
1736,7003,815.042,884.96957,837.42
1746,7003,826.492,873.51954,010.93
1756,7003,837.972,862.03950,172.96
1766,7003,849.482,850.52946,323.48
1776,7003,861.032,838.97942,462.45
1786,7003,872.612,827.39938,589.84
1796,7003,884.232,815.77934,705.61
1806,7003,895.882,804.12930,809.72
1816,7003,907.572,792.43926,902.15
1826,7003,919.292,780.71922,982.86
1836,7003,931.052,768.95919,051.81
1846,7003,942.842,757.16915,108.96
1856,7003,954.672,745.33911,154.29
1866,7003,966.542,733.46907,187.75
1876,7003,978.442,721.56903,209.32
1886,7003,990.372,709.63899,218.94
1896,7004,002.342,697.66895,216.60
1906,7004,014.352,685.65891,202.25
1916,7004,026.392,673.61887,175.86
1926,7004,038.472,661.53883,137.38
1936,7004,050.592,649.41879,086.80
1946,7004,062.742,637.26875,024.06
1956,7004,074.932,625.07870,949.13
1966,7004,087.152,612.85866,861.98
1976,7004,099.412,600.59862,762.56
1986,7004,111.712,588.29858,650.85
1996,7004,124.052,575.95854,526.80
2006,7004,136.422,563.58850,390.38
2016,7004,148.832,551.17846,241.55
2026,7004,161.282,538.72842,080.28
2036,7004,173.762,526.24837,906.52
2046,7004,186.282,513.72833,720.24
2056,7004,198.842,501.16829,521.40
2066,7004,211.442,488.56825,309.96
2076,7004,224.072,475.93821,085.89
2086,7004,236.742,463.26816,849.15
2096,7004,249.452,450.55812,599.70
2106,7004,262.202,437.80808,337.50
2116,7004,274.992,425.01804,062.51
2126,7004,287.812,412.19799,774.70
2136,7004,300.682,399.32795,474.02
2146,7004,313.582,386.42791,160.44
2156,7004,326.522,373.48786,833.93
2166,7004,339.502,360.50782,494.43
2176,7004,352.522,347.48778,141.91
2186,7004,365.572,334.43773,776.34
2196,7004,378.672,321.33769,397.67
2206,7004,391.812,308.19765,005.86
2216,7004,404.982,295.02760,600.88
2226,7004,418.202,281.80756,182.68
2236,7004,431.452,268.55751,751.23
2246,7004,444.752,255.25747,306.48
2256,7004,458.082,241.92742,848.40
2266,7004,471.452,228.55738,376.95
2276,7004,484.872,215.13733,892.08
2286,7004,498.322,201.68729,393.75
2296,7004,511.822,188.18724,881.93
2306,7004,525.352,174.65720,356.58
2316,7004,538.932,161.07715,817.65
2326,7004,552.552,147.45711,265.10
2336,7004,566.202,133.80706,698.90
2346,7004,579.902,120.10702,118.99
2356,7004,593.642,106.36697,525.35
2366,7004,607.422,092.58692,917.93
2376,7004,621.252,078.75688,296.68
2386,7004,635.112,064.89683,661.57
2396,7004,649.022,050.98679,012.56
2406,7004,662.962,037.04674,349.59
2416,7004,676.952,023.05669,672.64
2426,7004,690.982,009.02664,981.66
2436,7004,705.061,994.94660,276.61
2446,7004,719.171,980.83655,557.44
2456,7004,733.331,966.67650,824.11
2466,7004,747.531,952.47646,076.58
2476,7004,761.771,938.23641,314.81
2486,7004,776.061,923.94636,538.75
2496,7004,790.381,909.62631,748.37
2506,7004,804.751,895.25626,943.62
2516,7004,819.171,880.83622,124.45
2526,7004,833.631,866.37617,290.82
2536,7004,848.131,851.87612,442.69
2546,7004,862.671,837.33607,580.02
2556,7004,877.261,822.74602,702.76
2566,7004,891.891,808.11597,810.87
2576,7004,906.571,793.43592,904.30
2586,7004,921.291,778.71587,983.01
2596,7004,936.051,763.95583,046.96
2606,7004,950.861,749.14578,096.10
2616,7004,965.711,734.29573,130.39
2626,7004,980.611,719.39568,149.78
2636,7004,995.551,704.45563,154.23
2646,7005,010.541,689.46558,143.70
2656,7005,025.571,674.43553,118.13
2666,7005,040.651,659.35548,077.48
2676,7005,055.771,644.23543,021.71
2686,7005,070.931,629.07537,950.78
2696,7005,086.151,613.85532,864.63
2706,7005,101.411,598.59527,763.22
2716,7005,116.711,583.29522,646.51
2726,7005,132.061,567.94517,514.45
2736,7005,147.461,552.54512,367.00
2746,7005,162.901,537.10507,204.10
2756,7005,178.391,521.61502,025.71
2766,7005,193.921,506.08496,831.79
2776,7005,209.501,490.50491,622.28
2786,7005,225.131,474.87486,397.15
2796,7005,240.811,459.19481,156.34
2806,7005,256.531,443.47475,899.81
2816,7005,272.301,427.70470,627.51
2826,7005,288.121,411.88465,339.39
2836,7005,303.981,396.02460,035.41
2846,7005,319.891,380.11454,715.52
2856,7005,335.851,364.15449,379.66
2866,7005,351.861,348.14444,027.80
2876,7005,367.921,332.08438,659.89
2886,7005,384.021,315.98433,275.87
2896,7005,400.171,299.83427,875.69
2906,7005,416.371,283.63422,459.32
2916,7005,432.621,267.38417,026.70
2926,7005,448.921,251.08411,577.78
2936,7005,465.271,234.73406,112.51
2946,7005,481.661,218.34400,630.85
2956,7005,498.111,201.89395,132.74
2966,7005,514.601,185.40389,618.14
2976,7005,531.151,168.85384,086.99
2986,7005,547.741,152.26378,539.25
2996,7005,564.381,135.62372,974.87
3006,7005,581.081,118.92367,393.80
3016,7005,597.821,102.18361,795.98
3026,7005,614.611,085.39356,181.37
3036,7005,631.461,068.54350,549.91
3046,7005,648.351,051.65344,901.56
3056,7005,665.301,034.70339,236.27
3066,7005,682.291,017.71333,553.97
3076,7005,699.341,000.66327,854.64
3086,7005,716.44983.56322,138.20
3096,7005,733.59966.41316,404.61
3106,7005,750.79949.21310,653.83
3116,7005,768.04931.96304,885.79
3126,7005,785.34914.66299,100.45
3136,7005,802.70897.30293,297.75
3146,7005,820.11879.89287,477.64
3156,7005,837.57862.43281,640.07
3166,7005,855.08844.92275,784.99
3176,7005,872.65827.35269,912.35
3186,7005,890.26809.74264,022.09
3196,7005,907.93792.07258,114.15
3206,7005,925.66774.34252,188.50
3216,7005,943.43756.57246,245.06
3226,7005,961.26738.74240,283.80
3236,7005,979.15720.85234,304.65
3246,7005,997.09702.91228,307.56
3256,7006,015.08684.92222,292.48
3266,7006,033.12666.88216,259.36
3276,7006,051.22648.78210,208.14
3286,7006,069.38630.62204,138.76
3296,7006,087.58612.42198,051.18
3306,7006,105.85594.15191,945.33
3316,7006,124.16575.84185,821.17
3326,7006,142.54557.46179,678.63
3336,7006,160.96539.04173,517.67
3346,7006,179.45520.55167,338.22
3356,7006,197.99502.01161,140.24
3366,7006,216.58483.42154,923.66
3376,7006,235.23464.77148,688.43
3386,7006,253.93446.07142,434.49
3396,7006,272.70427.30136,161.80
3406,7006,291.51408.49129,870.28
3416,7006,310.39389.61123,559.89
3426,7006,329.32370.68117,230.57
3436,7006,348.31351.69110,882.27
3446,7006,367.35332.65104,514.91
3456,7006,386.46313.5498,128.46
3466,7006,405.61294.3991,722.84
3476,7006,424.83275.1785,298.01
3486,7006,444.11255.8978,853.90
3496,7006,463.44236.5672,390.47
3506,7006,482.83217.1765,907.64
3516,7006,502.28197.7259,405.36
3526,7006,521.78178.2252,883.58
3536,7006,541.35158.6546,342.23
3546,7006,560.97139.0339,781.25
3556,7006,580.66119.3433,200.60
3566,7006,600.4099.6026,600.20
3576,7006,620.2079.8019,980.00
3586,7006,640.0659.9413,339.94
3596,7006,659.9840.026,679.96
3606,700.006,679.9620.040

Basis：Payment cap = min(income×housing-cost ratio, income×total-debt ratio − debts) − housing costs; loan = annuity PV Source：Computed locally in your browser from the form inputs only — no quotes or external data fetched Updated：2026-11-03

The ratios are assumptions, not an approval

The zh page presets the common 'housing outlay ≤ 50% of monthly income' heuristic; the en page presets the US 28/36 rule of thumb (housing ≤ 28% of income, housing + other debts ≤ 36%). Both are editable — they are budgeting references, not any bank's approval criteria, which vary widely.

The math: budget cap = min(income × front ratio, income × back ratio − other debts), minus the tax, insurance and other housing costs you enter; the remainder is the maximum principal & interest payment, converted to a loan by the annuity formula, plus the down payment for the reference price. With a minimum down-payment ratio filled in, the price is also capped at down ÷ ratio — whichever binds wins.

Only the principal builds equity

The loan payment is principal + interest, and full housing cost adds tax, insurance and other items on top — interest and those three are pure cost; only principal turns into ownership. The amortization detail shows it: on a level-payment loan the early years are mostly interest, with the principal share climbing month by month.

Tax, insurance and HOA figures differ enormously by place and change over time, so the tool ships no built-in rates — fill in your own, or leave a field empty to treat it as zero.

Frequently asked

Is this reference price a pre-approval?

No. It reverses your own budget ratio into a loan amount — it answers 'what can my budget carry', not 'what will a lender approve'. Underwriting also weighs credit, down-payment sourcing, the property itself and income stability.

Can it model a declining (equal-principal) payment?

This tool uses level payments so the ratio maps cleanly to income. Equal-principal loans start higher and step down — compare structures with the mortgage prepayment calculator on this site.

What goes in 'housing costs'?

Fixed monthly costs of owning — property tax, HOA/maintenance fees, insurance — converted to a monthly figure at your actual locality's rates. Unsure? Use 0, but remember the payment is not the whole cost.

Why is the loan smaller than expected?

Tax, insurance and other costs come off the cap first, then the ratios cap what is left; with a minimum down-payment ratio the price is also bounded by down ÷ ratio. The result card names the binding constraint: the housing-cost cap, the total-debt cap, or the minimum down payment. When the budget is already used up, the reference price shows “—” instead of treating the down payment as a home price.

More tools

Computed locally with monthly compounding and the annuity formula. Ratio thresholds are editable assumptions, not an approval; tax and insurance figures are yours to enter — no regional rates are bundled. Estimates only, not lending or investment advice.