FREE TOOLS
Mortgage Payment Budget Planner
Translate an entered housing budget and debt-to-income ceiling into a loan principal limit.
Monthly gross income, Other monthly debt payments, Your monthly housing budget, Monthly housing costs excluding principal/interest, Your total debt-to-income ceiling (%), Available down payment, Assumed nominal annual rate (%), Loan term (months)
JSON
Browser only
Runs locally in your browser. Your files, pasted content and generated output are not uploaded. Reset clears this tool’s working data.
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How to use this tool
- Enter the labelled values using the displayed units and explicit assumptions.
- Choose Calculate result and review the complete report and any undefined or no-solution states.
- Choose Download result to save the complete JSON. Reset clears the result and restores example controls.
Examples
Monthly gross income: 6000
Other monthly debt payments: 400
Your monthly housing budget: 1800
Monthly housing costs excluding principal/interest: 300
Your total debt-to-income ceiling (%): 36
Available down payment: 40000
Assumed nominal annual rate (%): 6
Loan term (months): 360
Limitations
- User-entered monthly gross income,other debt,total housing budget,housing non-loan cost,down payment,DTI ceiling0–100%,rate0–100%,term1–1200months. Use smaller budget/DTI allowance,then deduct entered housing costs;nonpositive allowance gives zero loan capacity. No approval,default lender threshold,property-specific tax estimate or advice.
- Scalar controls accept explicit finite decimal syntax;positive values normally1e-12–1e12,nonnegative0–1e12 unless a narrower range is stated. JSON numeric rows use finite IEEE754 values within their stated bounds. Derived counts above1billion and nonfinite results refuse. Combined input<=400000UTF8 bytes;complete JSON<=4MiB. All processing stays in your browser.