Calculators
Know exactly what home you can afford
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Free home-affordability calculator built around the debt-to-income ratio, showing your budget in green, amber, and red zones.
PlotYourHome is a free, browser-based calculator that helps you determine what home you can afford by analyzing your debt-to-income ratio. It displays your budget across three zones: green for comfortable affordability, amber for stretch scenarios, and red for out of reach. The tool lets you explore three key questions: can you buy, should you buy versus rent, and what rent fits your budget.
The calculator includes real loan programs (Conventional, FHA, VA, USDA) and incorporates actual property taxes by county, mortgage insurance rules, and HOA dues. It supports live simulations so you can test how rate changes, debt payoff, and income increases affect your affordability. All calculations run entirely in your browser with no sign-up required and no data sent to servers.
Pricing model: Free
No. PlotYourHome is an educational estimator that shows you the range of what may be feasible based on debt-to-income ratios that lenders use, but it is not a substitute for a lender's underwriting. For any binding decision, you need to talk to a licensed lender.
None. PlotYourHome runs entirely in your browser. Nothing you type is sent to any server, and there is no account or data storage. Your privacy is completely protected.
Debt-to-income (DTI) is your total monthly debt divided by your gross monthly income. It is the key number that lenders use to determine if you qualify for a mortgage, so PlotYourHome uses it as the real ceiling for affordability.
PlotYourHome includes real rules for Conventional, FHA, VA, and USDA loans. It builds in the correct mortgage insurance rules (PMI for conventional, MIP for FHA), escrow, and state-specific property taxes.
Your pre-approval is what one lender will approve for one specific loan scenario they ran. It is not the same as what you can actually afford. PlotYourHome shows the full range instead: green for comfortable, amber for stretch, and red for out of reach.
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PlotYourHome has a free listing. The owner can unlock the full profile with a paid launch for $5:
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