Property Decision Desk

Affordability & Qualifying

Honest Affordability Meter

Max price from income and debts — using conservative ratios, not lender maximums.

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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.

How to read this decision

Honest Affordability Meter makes what you can carry without becoming house-poor concrete instead of a guess. Max price from income and debts — using conservative ratios, not lender maximums.

The math runs locally in your browser with no signup, so you can test assumptions freely and compare runs in seconds.

Methodology & next steps

This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.

  1. Start with realistic income, price, rate, and cost assumptions for your market.
  2. Use presets or Snapshot as B to stress-test a second path.
  3. Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
  • Copy report or Print / PDF for a shareable decision page.
  • Save scenarios on this device or copy the share link in the address bar.
  • Export CSV/JSON when you want numbers in a spreadsheet.

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About Honest Affordability Meter

What is Honest Affordability Meter for?

Max price from income and debts — using conservative ratios, not lender maximums. It focuses on what you can carry without becoming house-poor, so you can compare realistic paths instead of a single optimistic listing photo.

How do I use Honest Affordability Meter?

Fill in realistic values for your situation and run it. The output shows the key figures side by side, so rerun with different assumptions to stress-test the result.

Is Honest Affordability Meter free?

Yes. Honest Affordability Meter is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.

Is this financial or real estate advice?

No. Honest Affordability Meter produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.