How Much House Can You Afford? The 28/36 Rule Explained
Most financial advisors recommend spending no more than 28% of gross income on housing costs.
Plan your finances with our easy-to-use calculators. No sign-up required — bookmark this page.
Estimate your monthly mortgage payment, total interest paid and loan cost.
Find out how long it takes to pay off personal or auto loans at your current payment.
See your debt-free date and total interest paid on your credit card balance.
Project the future value of your investments with compound growth and regular contributions.
See how your savings grow with different compounding frequencies and interest rates.
Plan how much you need to save each month to reach your financial goal.
Most financial advisors recommend spending no more than 28% of gross income on housing costs.
$200/month from age 25 at 8% grows to $703K by 65. Start at 35 and you get only $295K.
Real examples showing total interest saved and timeline differences between the two methods.