Every calculator shows the payment.
None show the month after.
This tool fills that gap. Built for people who already know how to budget and can find a payment estimate in thirty seconds if they need one, but who have never modeled a purchase this size or connected it to the rest of their finances. It covers the full path from early affordability through closing day, in one sheet that lives entirely in your own Google Drive.
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Know where you stand
before you start looking.
Enter your income, existing debts, and estimated mortgage payment. Get your housing expense ratio and total debt-to-income ratio, measured against both conventional and FHA standards.
Turn a target price
into a real plan.
See the dollar goal, how far your current savings have already gotten you, and exactly what monthly contribution it takes to hit a specific target date.
The real cost of owning,
compared to renting.
Mortgage, PMI, property tax, homeowner's insurance, HOA, and a maintenance reserve, all in one place, so the number you're planning around is the real one.
- Closing Cost Estimator breaks out every category of cash you'll need at closing beyond your down payment, lender fees, title and settlement, inspection, and prepaid items
- Homebuying Timeline is a 34-item checklist across six stages, from pre-approval through closing day, with space for dates and contacts
- Home Comparison tool stacks up to three properties side by side on price, monthly cost, and key attributes, and flags whichever one actually costs the least per month
- Start Here tab includes a clearly labeled financial disclaimer covering property tax variance, mortgage input limitations, PMI estimate caveats, and closing cost differences by location
- No account required. No subscription. Nothing to install.
Model it before you sign anything.
Click the link, make a copy to your Google Drive, and start with the Affordability Calculator. No account required.
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