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Home Affordability

What price you can support on your income and deposit.

100% FreeRuns instantlyNo watermark
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  1. 1Enter detailsAdd the numbers for your scenario.
  2. 2CalculateVootkit updates the result instantly.
  3. 3ReviewCheck totals, notes and breakdowns.
Private by designProcessed on your device where possible.
Works on any deviceDesktop, tablet and mobile browsers.
No installationOpen the page and start working.
Always free coreUse the free plan for everyday tasks.

How to use Home Affordability

Enter details

Add the numbers for your scenario.

01
Calculate

Vootkit updates the result instantly.

02
Review

Check totals, notes and breakdowns.

03
Use result

Copy the answer into your workflow.

04

Your files stay private

Your work is processed locally in your browser where possible and is never added to a Vootkit upload library.

Learn more about privacy
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Working forward from a house you like tells you what you want. Working backwards from your income tells you what a lender will agree to — and those are usually different numbers.

What Home Affordability does

Estimates the property price your income supports, from your deposit, existing debt payments and a debt-to-income limit.

Debt-to-income is the lever lenders actually use. The default of 36% is a common comfort threshold; raising it shows what a more permissive lender might allow, which is not the same as what you can comfortably carry.

How lenders think about this

Debt-to-incomeTotal monthly debt payments ÷ gross monthly income
Common comfort limitAround 36%, which is the default here
Range accepted10–60% — the top end is well past comfortable
Existing debtCar finance, cards, student loans all count against you
DepositRaises the price you can reach, and may improve the rate
Not includedProperty tax, insurance, service charges, maintenance
Term range5–40 years

Detailed steps

  1. Enter household income and your existing monthly debt payments.
  2. Enter the deposit you actually have available — after moving and closing costs, not before.
  3. Set the rate and term.
  4. Leave max debt-to-income at 36% unless you are testing what a lender might stretch to.

Worth knowing

Clearing a car loan before applying can raise your affordable price more than saving the same amount toward the deposit, because the monthly payment is removed from the debt-to-income calculation entirely. Worth testing both ways before deciding where spare money goes.

Frequently Asked Questions

A lender offered me more than this suggests.

Lenders differ, and some will stretch well past 36%. What a lender will approve and what leaves you comfortable are different questions — the maximum is their risk tolerance, not a recommendation, and their downside is not the same as yours.

Does the result include tax and insurance?

No. Property tax, insurance, service charges and maintenance sit on top and can add a fifth or more to the monthly cost. Take the price this gives you into the Mortgage Calculator with real local figures for the fuller picture.

How much deposit do I actually need?

It varies by market and product, but a larger deposit lowers the amount borrowed and can unlock better rates or remove mortgage insurance. Remember closing costs come out of your savings too — the deposit is not the only cash you need on the day.

Should I use gross or take-home income?

Debt-to-income is conventionally calculated on gross income, which is what this expects. That is also why the result can look generous against what your bank account experiences — check the resulting payment against your take-home pay before believing it.

Is Home Affordability free?

Yes. The Vootkit free plan includes 5 tool runs a day. Upgrade to Vootkit Pro for unlimited daily use, an ad-free workspace and saved workflows.

Are my files uploaded?

No. Home Affordability runs entirely in your browser — your file is processed on your own device and never sent to a server. There is nothing for us to store or delete.

Do I need to install anything?

No. Home Affordability works in any modern browser on desktop, tablet or phone. Open the page and start.

How often can I use it? Is there a daily limit?

On the free plan you get 5 tool runs a day. When you reach the limit you'll see a prompt to upgrade, and it resets the next day. Vootkit Pro removes the cap entirely for unlimited daily use.

This tool processes everything locally in your browser. You can disconnect from the internet after the page loads and it will still work.