Your life comes before the listing.

This planner began with a question: why do so many housing calculators ask for a home price before helping you work out a budget?

Here, you start with your finances. Renting and buying are both valid outcomes. You can spend less on housing to save more, use more of your budget for a place you love, or work toward a home you cannot yet afford.

The answer is a starting point.

The numbers change with your choices. The calculator shows what remains for savings, and buying checks both monthly costs and the cash needed upfront.

It does not check your credit, approve a loan, find listings, or predict future prices. There is no bank connection.

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