Your Financial Overview

⚡ Updates live as you edit your plan

Monthly take-home

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after all taxes

Housing cost

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of income

Childcare

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of income

Available to spend

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after everything

💵 Take-home

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🏠 Housing

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👶 Childcare

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✅ Available

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Buy vs Rent

🏠 Buy

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/ month

🏢 Rent

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/ month

Housing-to-income i

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Under 28% target

% of income on housing costs. Lenders prefer <28%.

Debt-to-income i

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Under 43% limit

Housing + all debt as % of income. Max 43–45%.

Savings rate i

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Target 15–20%

% of gross income saved monthly. Aim for 15–20%.

Monthly surplus i

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After all expenses

Take-home minus all costs. Positive = breathing room.

🧮 Affordability

Max affordable home

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Limited by —

TightComfortableStrong

🎯 Savings Goals

💵 Take-home

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🏠 Housing

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👶 Childcare

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✅ Available

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Buy vs Rent

🏠 Buy

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/ month

🏢 Rent

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/ month

Monthly take-home allocation

Housing Childcare Savings Expenses Available

Housing-to-income i

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Guideline: under 28%

Total DTI i

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Jumbo limit: 43–45%

Savings rate i

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Target: 15–20%

🏠 Buy vs 🏢 Rent — Side-by-Side

🏠

Buying

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Home price ($)

Down payment ($)

Rate (%)

Term

Prop tax (%/yr)

HOA + ins ($/mo)

VS

🏢 Renting

🏢

Renting

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Monthly rent ($)

Renters ins ($/mo)

Parking ($/mo)

Annual rent increase (%)

Lease term

Security deposit ($)

🧮 Affordability Calculator

How much home can you actually afford — based on your income, savings goals, and down payment timeline?

Your finances — auto-synced from Income & Savings tabs

Annual income ($) ↺ auto Salary + all additional income sources

Total savings ($) ↺ auto 401k + brokerage + cash + emergency + RSUs

Monthly debt payments ($) ↺ auto From Expenses tab → Debt payments

Savings goal constraints — auto-synced from Savings tab

Emergency fund target ($) ↺ auto From Savings tab → Emergency fund goal

Monthly retirement savings ($) ↺ auto From Savings tab → 401(k) contribution

Months to save down payment

Jun 2027

Synced with Target save date in Savings tab

Loan assumptions — auto-synced from Housing tab

Interest rate (%) ↺ auto From Housing tab → Interest rate

Loan term ↺ auto From Housing tab → Loan term

Down payment target (%)

💡 Budget Reality Check — min monthly surplus ($) i Min left over after ALL costs incl. childcare & expenses

Max affordable home price

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Affordability confidence

TightComfortableStrong

📈 Savings Projection

Net worth growth over time based on current contributions

Current age

Target age

Growth rate (%)

🎯 Monthly Savings Needed to Reach Goals

Based on your age, target retirement age, and current balances

Primary Income & Taxes

Gross annual salary ($)

Filing status

Primary state of residence State tax rate: 9.3%

Additional Income Sources

Income from another state, freelance, rental, spouse, investments, etc.

Total gross annual income (all sources) —

Current Savings & Investments

🏦 401(k) / IRA balance ($)

📈 Brokerage / stocks ($) i Include vested RSUs + all taxable investments

💵 Cash / savings account ($)

🛡️ Emergency fund balance ($)

🏠 Other assets ($)Real estate equity, crypto, etc.

Total current savings (liquid) $0

📈 RSU / Equity Compensation

Effective RSU tax rate (%) RSUs taxed as ordinary income at vest

Expected annual stock growth (%) Applied to all grants · S&P 500 avg ~10%/yr

Monthly Savings Contributions

🏦 401(k) / retirement ($)2026 max: $23,500/yr

🛡️ Emergency fund ($)

📈 Brokerage / other ($)

Total monthly savings $0

Savings Goals

Retirement target ($)Rule of thumb: 25× annual expenses

Target retirement age

Your current age

Emergency fund goal ($)Goal: 6 months of expenses

Down payment goal ($)

Target save date

🎓 529 / Education Fund

529 current balance ($)Current 529 plan balance

Monthly 529 contribution ($)2026 annual max: $18,000/yr

529 target ($)4-yr public college ~$120k · private ~$280k

Child's current ageContributions stop at age 18, balance keeps growing

Housing Type

Mortgage / Jumbo Loan

Home price ($)

Down payment

$

or

%

20% of purchase price

Interest rate (%)Today's avg jumbo: 6.48%

Loan term

Property ZIP code

Enter ZIP to auto-fill property tax rate

Property tax rate (%/yr) Edit manually or look up by ZIP above

HOA + insurance ($/mo)

📍 Property tax data

ZIP code—

City / Area—

Median home value—

Median annual tax paid—

Effective tax rate—

Source: US Census Bureau ACS 5-Year Estimates · auto-applied to calculator above

⚠️ Could not find property tax data for that ZIP code. Please enter the rate manually.

Additional Property Info

Year built

Property type

Est. monthly maintenance ($)Typically 1% of home value/yr

PMI ($/mo) Required if down payment < 20%

📋 Buy Snapshot

🔗 Ready to take the next step?

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💰 Get pre-qualified

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Your Current Home

Current home value ($)Estimated market value today

Remaining mortgage balance ($)What you still owe (0 if paid off)

Monthly mortgage payment ($)P&I + tax + insurance (total)

HOA / fees ($/mo)

Maintenance budget ($/mo)Typical: 1% of home value / yr

Interest rate (%)Your current mortgage rate

Years you've owned it i Used to show past + future equity growth

🏘️ Renting Out This Property?

Rental income offsets your housing costs and shows as additional income

Yes, I rent it out

Home Equity & Appreciation

Annual appreciation (%)i Historical US avg: ~3.5%/yr

Loan term remaining (yrs)

Childcare Costs i

Total childcare per month $0

💡 Dependent Care FSA: save up to $5,000/yr pre-tax on qualifying childcare expenses

Subscriptions & Recurring Services

Total subscriptions per month $0

Other Monthly Expenses i

🚗 Car / transport ($)

🛒 Food & groceries ($)

💡 Utilities ($)

💳 Debt payments ($) Car loans, student loans

📦 Other expenses ($)

Total monthly expenses $0

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Account Settings

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