Start free

Mortgage & Home Loans · Essentials & Buying a Home

Affordability Calculator

How much house can you afford — based on income, debts, and down payment.

  • Free to use here · embed on the Free plan
  • 16 inputs · 13 results

Try the Affordability Calculator

See how much house you can afford based on your income, debts and down payment.

Loading the live calculator…

Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Affordability calculator works out

The Affordability Calculator is a free, embeddable calculator from CalcFunnel. How much house can you afford — based on income, debts, and down payment.

You enter 16 inputs: annual household income, co-borrower annual income, other annual income, car Payment(s), student loans, credit cards, other debts, down payment, interest rate, loan term, property tax rate, home insurance (yearly), HOA fees (monthly), PMI rate, front-end DTI (Housing) and back-end DTI (All debts).

It returns maximum home price, maximum loan amount, estimated monthly payment, principal & interest, monthly property tax and monthly insurance + HOA, plus 7 more figures.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Maximum Home Price
  2. 02Maximum Loan Amount
  3. 03Estimated Monthly Payment
  4. 04Principal & Interest
  5. 05Monthly Property Tax
  6. 06Monthly Insurance + HOA
  7. 07Down Payment
  8. 08Debt-to-Income Used
  9. 09Monthly PMI
  10. 10Monthly Income
  11. 11Available for Housing
  12. 12Remaining Budget
  13. 13Front-End DTI

The first figure — maximum home price — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Income Details

Annual Household Income
Your gross yearly household income before taxes. Higher income raises how much home you can afford.
Co-Borrower Annual Income
Annual income of a co-borrower or spouse on the loan, before taxes.
Other Annual Income
Other reliable yearly income (bonuses, rental, etc.) a lender will count.

Monthly Debts

Car Payment(s)
Total monthly car loan or lease payments. Counts against your debt-to-income ratio.
Student Loans
Total monthly student loan payments.
Credit Cards
Estimated minimum monthly payments on your credit cards.
Other Debts
Any other recurring monthly debt payments, such as personal loans.

Loan Details

Down Payment
Cash you will put down upfront. A larger amount increases the home price you can afford.
Interest Rate
The annual interest rate on the mortgage. A lower rate lets you afford more home.
Loan Term
Number of years to repay the loan. A longer term lowers the monthly payment.

Housing Costs

Property Tax Rate
Annual property tax as a percent of the home value, set by your local government.
Home Insurance (yearly)
Yearly homeowners insurance premium, included in your monthly housing cost.
HOA Fees (monthly)
Monthly homeowners-association dues, if the property has them.
PMI Rate
Private Mortgage Insurance rate, charged yearly when your down payment is under 20 percent.

DTI & Comfort Level

Front-End DTI (Housing)
Max share of gross monthly income that can go to housing. Lenders often cap this near 28 percent.
Back-End DTI (All Debts)
Max share of gross monthly income that can go to all debts plus housing. Often capped near 36 percent.

For your website

Embed this calculator on your website

Put the Affordability Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Affordability calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Affordability Calculator calculate?
How much house can you afford — based on income, debts, and down payment. It returns maximum home price, maximum loan amount, estimated monthly payment, principal & interest, monthly property tax and monthly insurance + HOA, plus 7 more figures.
Q.02What information do I need to use the Affordability Calculator?
You enter 16 inputs: annual household income, co-borrower annual income, other annual income, car Payment(s), student loans, credit cards, other debts, down payment, interest rate, loan term, property tax rate, home insurance (yearly), HOA fees (monthly), PMI rate, front-end DTI (Housing) and back-end DTI (All debts). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Annual Household Income” mean in the Affordability Calculator?
Your gross yearly household income before taxes. Higher income raises how much home you can afford.
Q.04What does “Co-Borrower Annual Income” mean in the Affordability Calculator?
Annual income of a co-borrower or spouse on the loan, before taxes.
Q.05Is the Affordability Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Affordability Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.08Are the Affordability results financial advice?
No. This calculator estimates borrowing capacity from a standard debt-to-income ratio and the figures you enter. Actual approval depends on your credit score, loan program, lender guidelines, and full underwriting. Treat the result as a starting point, not a pre-approval.

Related mortgage & home loans calculators

All 43 in Mortgage & Home Loans

Your website does the math. You get the lead.

The Affordability Calculator is one of 188 calculators you can brand and embed with one line of code.

Start free Compare plans
  • Free plan, no card
  • 14-day trial on Pro & Business
  • Cancel any time