Can I Afford a House? Rent vs. Buy Check

Home affordability is whether the monthly and total cost of owning, including mortgage, tax, insurance, HOA, PMI, and upkeep, fits your budget compared with renting.

See what buying would cost each month and over your horizon compared with renting, before you talk to a lender.

No credit card to start free.

Frequently asked questions

Does this tell me how much a lender will approve?

No. It is not a lender pre-approval or a credit decision. It compares the costs of buying and renting from the numbers you enter.

What costs are included?

Mortgage principal and interest, property tax, homeowners insurance, HOA, PMI, maintenance, and closing costs. Tax and opportunity-cost toggles are estimates only, not tax advice.

Is it free?

Yes. You can run the comparison on any plan. Saving results to your books requires Basic or higher; named scenario compare requires Premium.

What happens after I decide to buy?

On Basic and above, Set up home purchase adds the property, loan, and monthly payment to your books so your forecast includes them.

Ready to see your results?

Start Basic at $9.99/month, or explore Free with no card.