Free tools · for real-estate agents
Buyer Affordability Calculator
A quick read on buying power: enter monthly income, debts, and the down payment to estimate a maximum purchase price using the standard 28/36 debt-to-income guideline.
Results appear here — enter the numbers and hit Calculate.
This calculator is one of 27 tools.
Close Cadence members get the Listing Engine, content calendar, follow-up sequences, transaction tracking, and every calculator — trained on their own voice.
Good to know
Common questions
How is affordability calculated?
This calculator uses the 28/36 rule: housing costs capped at 28% of gross monthly income, and total debt (housing plus other payments) capped at 36%. The lower of the two limits wins.
Is this a pre-approval?
No. Only a lender can pre-approve you, and they’ll weigh credit score, employment history, and reserves. Use this to set expectations before that conversation.
What should I include in monthly debts?
Car payments, student loans, minimum credit-card payments, personal loans, and any other recurring debt obligations — not utilities or groceries.
More free tools: Seller Net Sheet Calculator · Mortgage Payment Calculator · Closing Cost Calculator