Buy Smart

Can I Afford This House?

Real costs. Brutal honesty. Designed for people who'd rather skip the niceties and keep the savings.

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Property & Loan

Real Recurring Costs

Your Money

Actual net monthly income after taxes.
How much you want to keep funneling to savings each month. Can be set to $0.

Affordability Result

Verdict
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Total Monthly Housing
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Monthly Leftover (after everything, including savings)
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Monthly Mortgage
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Total Cash Needed Up Front
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What we assumed / Why this is realistic

Mortgage P&I: Standard amortizing loan formula (fixed-rate).
Property tax & maintenance: These regularly bite - tax is quoted as % of price per year; maintenance uses a 1% rule by default.
Closing costs: Usually 2–5% of price - paid once at closing and included in your upfront cash requirement, not your monthly costs.

Advice: If your leftover after housing + existing spending + debt + savings target is >= 20% of take-home, you're reasonably safe. 5–20% → house-poor. <0 → can't afford it.

Verdict
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