How to use this calculator
- Enter gross monthly income, chosen housing ratio (%), chosen total-debt ratio (%), other monthly debt payments, monthly tax insurance and association costs.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Illustrative ratios are editable, not universal lending rules or approval criteria. No house price is inferred without loan terms.
Worked example
With gross monthly income = 6000, chosen housing ratio (%) = 28, chosen total-debt ratio (%) = 36, other monthly debt payments = 500, monthly tax insurance and association costs = 300, maximum housing budget is approximately 1660.
What the result means
Estimate a payment budget under two user-selected income-ratio constraints.
Common questions
How should I interpret maximum housing budget?
Estimate a payment budget under two user-selected income-ratio constraints.
What should I check before using this result?
Illustrative ratios are editable, not universal lending rules or approval criteria. No house price is inferred without loan terms.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.