House-buying journey

Should I Buy This House? — Run the Math Before You Commit

Five checks. One Reality Score — your money picture across rent, debt, and savings · free, 2-min check. Each step takes 60 seconds; your saves carry forward.

  1. 1Mortgage Payment
  2. 2Home Affordability
  3. 3Debt-to-Income
  4. 4Emergency Fund
  5. 5Verdict
Step 1 of 5 — Current

Mortgage Payment

Find out the actual monthly payment, including taxes + insurance.

Run mortgage check →
Step 2 of 5 — Optional skip-ahead

Home Affordability

See the price band the bank will approve based on your income.

Save step 1 first to track journey progress.

Test home affordability →
Step 3 of 5 — Optional skip-ahead

Debt-to-Income

Check whether your debt load passes the 36% lender rule.

Save step 1 first to track journey progress.

Score my debt load →
Step 4 of 5 — Optional skip-ahead

Emergency Fund

Confirm you have 3-6 months of expenses set aside before locking in.

Save step 1 first to track journey progress.

Check my cash cushion →
Step 5 of 5 — Locked

Verdict

Complete 4 more checks to unlock your Reality Score.

Locked

Complete the four checks above to unlock your Reality Score verdict.