Your take-home pay
What lands in your account, after federal + state + FICA.
— / year
Per month
—
Effective tax rate
—
Buying a Home
From paycheck to keys. One set of inputs flows through four calculators: your take-home pay, what you can save, how much house you can afford, and the actual monthly mortgage payment. Change anything — the whole plan updates.
What you'll have saved by purchase
Current savings plus monthly contributions, growing at 4% in a HYSA.
— at purchase
From contributions
—
From interest (4% HYSA)
—
How much house you can afford
28/36 rule against your projected income — same logic your lender uses.
— max home price
Loan amount
—
LTV at this price
—
PMI required?
—
The mortgage payment
Monthly P&I on the home you can afford, at today's rate.
— / month
Total interest
—
Total paid
—
Payment as % of take-home
—
The plan, at a glance
Save until —. Aim for a home in the — range with a — monthly payment — about — of your take-home.
What's next?
What this plan assumes
- 4% on your savings while you wait — a realistic HYSA / money-market rate.
- 28/36 rule for affordability — housing payment ≤ 28% of gross monthly income; total debt ≤ 36%. Same constraints your lender uses.
- PMI kicks in if LTV > 80% (you put down less than 20%). Currently ~0.5% annually; we drop it from the payment estimate once LTV crosses below 80%.
- Tax year 2026 brackets, plus your state's tax data refreshed June 2026.
- Property tax assumed at 1.1% nationally. Homeowners insurance ~$1,500/year. No HOA in the default.
The full per-calculator pages have more knobs (PMI rate, property tax, extra principal payments, refinance scenarios). This page is the "is this plausible at all?" sanity check. When the answer is yes, click into the individual calculators to tune.