Mortgage, refinance, rent calculator & budgeting app

Know the real number
before you fall in love
with the house.

A mortgage payment is just one line. Your budget is thirty. HomeFitIQ runs both, so you know what a home really costs before you commit.

Estimator tool — not financial advice

Step 1

What's your situation?

Your loan

$
$35,000
%

Fixed vs. adjustable rate — which one fits you?

Mortgage insurance

The property

$

Now let's see if it fits your life.

Step 2

Build your real monthly budget

Add your income, then every other bill in your life. Nothing here leaves your browser.

Income

Hours over 40 in a week use the rate above. For biweekly pay, each week's overtime is calculated independently, then combined into your paycheck.

$
$

⚠ Bonuses can change or disappear year to year. Consider treating this as a bonus toward savings or debt, not as money you rely on to cover fixed monthly bills.

$

Child support, alimony, pension, Social Security, disability, rental income, etc.

%
Gross monthly income$0
Net monthly income (after estimated tax)$0

Monthly expenses

Housing

$

Utilities

$
$
$
$
$
$

Transportation

$
$
$
$

Insurance

$
$
$

Debt payments

$
$
$
$

Food

$
$

Subscriptions & fun

$
$
$
$

Savings & investments

$
$
$
$
$

Family & pets

$
$

Step 3

The full picture

Can you afford this home?

Your monthly bottom line, updated live.

↗ Total monthly income $0 net, after estimated tax
↘ Total monthly expenses $0 housing + everything else
Remaining (net cash flow) $0 discretionary income / mo
✓ Looks affordable Your income comfortably covers your expenses.
Housing cost vs. gross income 0%

Guideline: keep under ~28%

Total debt payments vs. gross income 0%

Guideline: keep under ~36% (the "28/36 rule")

Savings & investing vs. net income 0%

Under 5%: needs improvement · 5–12%: good · 12%+: great · Goal: 15%+

Total spending vs. net income 0%
100%

Bar is scaled so the marker sits at 100% (break-even) — anything over 100% means you're spending more than you earn

Where you might adjust

    Take your numbers with you

    Download a copy — handy for sharing with a spouse, agent, or lender, or just keeping for your records.