See what you can actually afford.
Banks approve you for more than you should spend. We do the math that includes your lifestyle, your savings goals, and your safety net.
A second number, not just the bank's.
The bank tells you what you can borrow. We tell you what you can keep.
A monthly buffer is built in, not bolted on.
We subtract a $500 cushion from the lifestyle math so the number you see leaves room for surprise.
Six scenarios, run for you.
Job loss, expense spikes, both incomes lost. Every result includes the worst week, not just the best.
How it works
Tell us about your money.
Income, debts, monthly expenses, savings goals.
See your two numbers.
What the bank would approve, and what your life actually supports.
Stress-test the year.
Job loss, expense spikes, rate changes. See how the numbers move.
How we calculate
We calculate two numbers. First, what a bank would approve based on your debt-to-income ratio. Second, what your real life supports after taxes, expenses, savings goals, and a small monthly cushion. Whichever is lower is your real ceiling.
See our full methodology →