ProMoney · Simulator
Home Affordability Simulator
The most house your income supports.
Assumptions
Max home price
$392,243
Max loan
$332,243
Max total payment
$2,500
| Line | Amount |
|---|---|
| Max PITI (36% rule) | $2,500 |
| Max P&I | $2,100 |
| Supported loan | $332,243 |
| + down payment | $60,000 |
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Built by The Crimson Bench · Educational model, not financial advice
About the Home Affordability Simulator
Model income, debts, rate, and down payment against the 36% rule to estimate a maximum home price.
It's built for directional planning: change any assumption and watch the whole projection move, the way a seasoned operator pressure-tests a plan before committing capital. Everything is computed live in your browser — nothing is sent anywhere.
How the Home Affordability Simulator Works
The model takes 5 assumptions and returns 3 headline metrics plus a full breakdown. Here is exactly what goes in and what comes out — no black box.
The Inputs
| Assumption | Example value |
|---|---|
| Annual income | $100,000 |
| Monthly debts | $500 |
| Mortgage rate | 6.5% |
| Down payment | $60,000 |
| Taxes + insurance / mo | $400 |
Worked Example
Every figure below is produced by the live model using the example assumptions above. Change any input in the simulator to see your own numbers.
Max home price
$392,243
Max loan
$332,243
Max total payment
$2,500
| Line | Amount |
|---|---|
| Max PITI (36% rule) | $2,500 |
| Max P&I | $2,100 |
| Supported loan | $332,243 |
| + down payment | $60,000 |
The Operator's Read
Lenders cap total debt around 36% of gross income — but "max" isn't "wise." Buying below your limit leaves room for maintenance, savings, and rate changes. The bank's number is a ceiling, not a target. Educational only.
Assumptions & Limitations
- •The model is deterministic: it projects your inputs forward with clear arithmetic, not a Monte-Carlo or probabilistic forecast. It shows one scenario at a time — run several to bracket a range.
- •Defaults are illustrative benchmarks, not your business. Replace every field with your real numbers before drawing conclusions.
- •It abstracts away taxes, financing, seasonality, and one-off events unless a field explicitly captures them. Treat the output as a directional estimate.
- •This is an educational tool, not financial, investment, tax, or legal advice. Validate real decisions with a qualified professional.
Frequently Asked Questions
What does the Home Affordability Simulator calculate?
Model income, debts, rate, and down payment against the 36% rule to estimate a maximum home price. It takes 5 assumptions — Annual income, Monthly debts, Mortgage rate, Down payment, Taxes + insurance / mo — and returns Max home price, Max loan, Max total payment, along with a full projection table you can export.
How do I use the Home Affordability Simulator?
Enter your own figures in the input fields above — Annual income, Monthly debts, Mortgage rate, and the rest. The model recalculates instantly and shows the resulting Max home price and full breakdown. No sign-up needed to run it.
Is the Home Affordability Simulator free?
Yes — you can run the simulator and see the headline results for free. Toolkit Pro unlocks the full projection table, Excel/PDF export, saved scenarios, and AI analysis: $180/mo, $1,728/yr, or unlock any 3 simulators for $20.
What's the difference between this and a free calculator?
A calculator answers one question. This simulator models the full picture — multiple linked assumptions, a projection table, and scenario comparison — the way an operator would build it in a spreadsheet, but instantly.
Who built the Home Affordability Simulator?
The Crimson Bench's Ivy League-educated operators — the same people we deploy into C-suites. This is the self-serve version of a model they'd build inside a live engagement.
Is this financial advice?
No. The Home Affordability Simulator is an educational modeling tool for directional planning — not financial, investment, tax, or legal advice. Validate any real decision with a qualified professional.
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The Crimson Bench · Est. 2002 · Founded in New York City
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