A quick, honest estimate using the 28% / 36% lender guidelines. No sign-up — just real numbers.
They're a simple rule of thumb lenders often use to keep a house payment comfortable.
The 28% rule says your monthly house payment is usually most comfortable at around 28% of your income (before taxes).
The 36% rule looks at the bigger picture — your house payment plus other monthly debts like car or student loans — and keeps that total around 36% of your income.
This calculator shows you the lower of the two so the number stays comfortable, not stretched. Your lender has the final say on the details — this is just a friendly starting point.
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