Best 7 Home Affordability Calculators in 2026: Compare Your Options

Introduction

Iota Home: Mortgage Calculator is the best overall home affordability calculator for comparing conservative, traditional, and maximum price ranges. This roundup covers seven iOS and Android apps that can help you estimate a realistic home price, check monthly costs, and test financing assumptions. Their estimates are useful starting points, not loan approvals.

Quick comparison

1. How Much House Can I Afford?

Best for: iPhone users who want a straightforward maximum-price estimate.

Enter your income, debts, savings, and mortgage rate to get an estimated maximum home price. You can change the down payment and loan term, then check the payment breakdown. The adjustable loan assumptions are handy for seeing how different financing choices affect the estimate.

2. Mortgage & Loan Calculator

Best for: Comparing comfortable and stretched budgets.

This Android app shows what a comfortable budget and a more stretched one might look like, using different debt-to-income assumptions. It also estimates mortgage payments that include property taxes, insurance, HOA fees, and PMI. Comparing the two scenarios can help when the maximum price feels like too much.

3. Mortgage Calculator

Best for: Users who want affordability and loan-planning tools together.

Enter your income, debts, and other details to estimate a maximum home price, loan amount, payment, and down payment. The app also has mortgage, refinance, and loan-planning tools, giving you ways to explore financing beyond the initial estimate. Its collection of related calculators is useful if you’re comparing loan options.

4. Iota Home: Mortgage Calculator

Best for: Comparing several price ranges.

Iota Home uses income, debts, and down-payment savings to estimate conservative, traditional, and maximum price ranges. It also offers mortgage payment, amortization, refinance, and scenario-comparison tools. Seeing three ranges instead of one maximum figure can give you more context as you decide what feels realistic.

5. Mortgage Calculator USA - PITI

Best for: Pairing affordability estimates with debt-to-income checks.

The affordability and debt-to-income calculators use income, debts, and financing assumptions to estimate a price range. You’ll also find mortgage-payment, refinance, and loan-type calculators. Keeping affordability and debt-to-income tools together makes it easier to compare a possible budget with another measure of borrowing capacity.

6. Mortgage for All

Best for: A simple affordability estimate with payment planning.

Mortgage for All estimates a maximum home price based on income and debts. Its PITI mortgage calculator breaks down payment components, and an amortization schedule shows how the loan changes over time. The schedule is helpful if you want to look beyond the upfront estimate and see payments across the loan.

7. Beelinger Mortgage Calculator

Best for: Buyers who want a 28/36-rule estimate.

Beelinger’s affordability tool uses the 28/36 rule to estimate a budget. It also includes mortgage-payment, refinance, and rent-versus-buy calculators. According to the app listing, calculations run locally on your device, which may appeal to users who prefer that approach to handling their inputs.

How we picked these apps

We chose apps based on how directly their listed features address home affordability, using only details provided in the app listings. We compared the inputs and results they describe, including income, debts, maximum prices, price ranges, and debt-to-income scenarios.

We also checked whether each app can help estimate payments or explore related mortgage decisions. This roundup includes the available iOS option along with Android apps; platform availability doesn’t indicate quality. Calculator results depend on assumptions, so check the full costs of a home and discuss financing with a lender.

Frequently asked questions

What information does a home affordability calculator need?

It depends on the app. You may need to enter income, debts, savings, a down payment, and mortgage details such as the rate or loan term. Some calculators also ask about taxes, insurance, HOA fees, or PMI.

Is the maximum price a comfortable budget?

Not necessarily. A calculator’s maximum is an estimate based on its inputs and assumptions. Your comfortable budget also depends on your other expenses, and neither figure guarantees lender approval.

Why do different apps show different estimates?

Apps can use different debt-to-income assumptions or present results in different ways, such as a maximum price, a range, or comfortable and stretched scenarios. Taxes, insurance, HOA fees, and PMI can also increase estimated monthly costs. Update your inputs as rates, savings, debts, and home costs change.

The verdict

Iota Home: Mortgage Calculator stands out for showing conservative, traditional, and maximum price ranges, along with tools for comparing scenarios. Mortgage & Loan Calculator is worth a look if you want comfortable-versus-stretched estimates that include common housing costs. For iPhone, How Much House Can I Afford? lets you adjust the down payment and loan term. Whichever app you choose, treat its estimate as a planning aid, not a loan offer.