Honest Affordability Meter
Max price from income and debts — using conservative ratios, not lender maximums.
Affordability & Qualifying
PITI vs Paycheck
Your full housing cost as a share of take-home pay, not gross.
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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
Most calculators stop at the monthly payment. PITI vs Paycheck focuses on what you can carry without becoming house-poor. Your full housing cost as a share of take-home pay, not gross.
Everything runs in your browser — no account, no data sent anywhere — and results update as soon as you press the button.
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.
- Start with realistic income, price, rate, and cost assumptions for your market.
- Use presets or Snapshot as B to stress-test a second path.
- 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.
About PITI vs Paycheck
What is PITI vs Paycheck for?
Your full housing cost as a share of take-home pay, not gross. 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 PITI vs Paycheck?
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 PITI vs Paycheck free?
Yes. PITI vs Paycheck is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.
Is this financial or real estate advice?
No. PITI vs Paycheck produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.