House Affordability Calculator
Real-time affordability, amortization, DTI, PMI, tax & insurance, and scenario analysis
Pro UI
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Inputs
Income & Debts
Gross Monthly Income
PKR
Other monthly debts (car, loans, CC)
PKR
Property & Loan
Property Price
PKR
Down Payment
PKR
Loan Term (years)
10
15
20
25
30
Interest Rate (annual %)
%
Property Tax (% of price per year)
Home Insurance (annual)
PKR
HOA / Maintenance (monthly)
PKR
Extra Monthly Payment (principal)
PKR
Include PMI if downpayment < 20%
Auto-calc PMI
Manual PMI (monthly PKR)
PMI (monthly)
PKR
Scenario & Compare
Compare to Rent (monthly)
PKR
Debt-to-Income limit (%)
Currency Display
PKR (₨)
USD ($)
EUR (€)
Recalculate
Export Amortization CSV
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Quick tips:
Increase down payment to reduce PMI. Extra monthly payments shorten loan term and cut interest dramatically.
Results
Estimated Monthly Mortgage Payment
—
Includes principal & interest
Total Monthly (tax+ins+PMI+HOA)
—
All housing-related monthly costs
Total Interest Paid (over life)
—
If no extra payments
Loan Payoff Date (est.)
—
Estimated with current schedule
Affordability Verdict
—
Suggested max price based on chosen DTI and income
DTI (Housing + Other Debts)
—
Lower is better
Amortization Schedule (first 20 rows shown)
#
Payment
Principal
Interest
Extra
Balance
Personalized Advice