Household affordability
Household budget calculator
Qualification answers “can a lender approve me?” This calculator answers a more human question: “what will we have left to live our life?”
1 Your monthly reality
What comes in and goes out?
Use take-home income here, not gross income. This is about what your household can actually spend each month.
There is no “right” budget.
The more honest your inputs, the more useful the remaining-cash estimate becomes.
Estimated monthly cash remaining
$1,396after expenses
This is the breathing room left before savings goals and unexpected costs.
Take-home income$7,600
Housing-$2,844
Other monthly expenses-$3,360
Remaining cash$1,396
Housing share of take-home pay
37% before other expenses
Use this as a conversation starter, not a pass/fail rule.
Affordability is personal
A lender may qualify you for more. Your real budget decides what feels comfortable for your family.