Free for all 50 states + DC

Know exactly what
you can afford

The most comprehensive home affordability calculator available. Taxes, mortgage, budget & investment comparison — all in one.

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Know your true take-home pay before you buy

💰
Income & Tax Engine
Enter salaries, bonuses, and rental income for both borrowers. Select your state and filing status — the engine calculates your exact 2025 federal brackets, state income tax, and FICA in real time.
🎯
Max Borrowing Power
See your maximum affordable home price under three methods: 28% front-end DTI, 45% back-end DTI, and 30% of net income. Your target price is plotted against all three with a color-coded status bar.
⚖️
50 / 30 / 20 Rule
Your income is mapped onto the 50/30/20 framework — Needs, Wants, and Savings — with animated progress bars showing exactly where you stand against each target.

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Legal Disclaimer

IMPORTANT NOTICE — PLEASE READ CAREFULLY. HomeCalc (the "Platform") and all computational outputs, projections, estimates, amortization schedules, tax calculations, debt-to-income analyses, investment comparisons, and related data generated thereby (collectively, the "Outputs") are provided solely for general informational and educational purposes and do not constitute, and shall not be construed as constituting, financial advice, investment advice, mortgage advice, tax advice, legal advice, or any other form of professional advisory service regulated under applicable federal or state law.

All tax bracket data, standard deduction figures, FICA thresholds, state income tax rates, property tax averages, private mortgage insurance benchmarks, and interest rate assumptions reflected within the Platform are based upon publicly available information current as of the 2025 tax year and are subject to change without notice. State and local property tax rates represent statewide averages only and may differ materially from the actual rate applicable to any specific parcel. Users are solely responsible for independently verifying all figures with the applicable taxing authority, mortgage lender, licensed real estate professional, and/or certified public accountant prior to making any financial decision.

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE OPERATOR EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PLATFORM OR RELIANCE ON ANY OUTPUT, INCLUDING ANY FINANCIAL LOSS.

Nothing herein establishes a fiduciary relationship or any professional advisory relationship. You should always consult a licensed mortgage professional, CPA, Registered Investment Adviser, and/or real estate attorney before entering any financial commitment. Investment projections are purely hypothetical. Past performance of any index or asset class is not indicative of future results. By using this Platform you agree to be bound by the Terms of Service.