How Much House Can I Afford on My Salary?
The 28% rule, DTI limits, and a realistic look at what lenders will approve — vs what you can actually live with.
Free personal finance tools
Free calculators that show you exactly where you stand — on your mortgage, retirement, debt, emergency savings, and more. No signup, no fluff, just numbers.
Mortgage Affordability Calculator
Find out how much house you can afford and calculate your monthly payment with full PITI breakdown.
Use calculator →Retirement Savings Gap
See if you're on track for retirement and exactly what you need to save to close the gap.
Use calculator →Emergency Fund Calculator
Calculate your target emergency fund and build a savings plan to get there.
Use calculator →Credit Card Debt Payoff Planner
Compare snowball, avalanche, and emotional payoff strategies across multiple cards.
Use calculator →Subscription Cost Calculator
See your true monthly and annual subscription spend — and what it could become if invested.
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No signup required
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Built for real decisions
Each calculator accounts for the costs and variables that matter — taxes, fees, inflation, and the numbers most tools quietly ignore.
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Paired with honest guidance
Every tool comes with plain-language explanations of what the numbers mean and what to do about them.
How Much House Can I Afford on My Salary?
The 28% rule, DTI limits, and a realistic look at what lenders will approve — vs what you can actually live with.
How Much Should You Have in an Emergency Fund?
Three months or six? The answer depends on your job stability, household structure, and risk tolerance.
Debt Snowball vs Avalanche: Which Method Wins?
The math says avalanche. The psychology says snowball. Here's how to decide which one is right for you.
How Much Should You Have Saved for Retirement by Age?
Benchmarks for every decade — and what to do if you're behind the curve.
Subscription Creep: How Small Monthly Charges Add Up to Thousands
The average household vastly underestimates their subscription spending. Here's how to find every charge and decide what stays.