Mortgage affordability calculator

Calculate mortgage affordability calculator with task-specific inputs and a detailed server-side result.

Enter data

Change the fields and recalculate as many times as you need.

Server-side calculation

Income and debt load

Monthly net income, RUB/month Other debt payments, RUB/month Max payment ratio

Mortgage terms

Down payment, RUB Annual rate, %, g Term, years, L Monthly property costs, RUB/month One time costs, RUB Stress rate add

Reset

How the calculation works

Enter the required parameters and submit the form. The calculator validates the values, performs the calculation on the server and returns a detailed result.

The calculation is processed for the current HTTP request and does not require registration.

Mortgage affordability method

The model limits total monthly debt payments to the selected debt-to-income ratio, subtracts existing monthly debt, and converts the remaining payment capacity into a loan amount using the selected rate and term.

Example

The result compares several payment-to-income scenarios and combines the affordable loan amount with the available down payment and acquisition costs.

Questions and answers

Is this the amount a bank will approve?

No. It is a planning model; lenders use their own underwriting rules, income verification and stress tests.

Are existing debts included?

Yes. Existing monthly debt payments reduce the payment capacity available for the mortgage scenario.

When it is useful

Calculate mortgage affordability calculator with task-specific inputs and a detailed server-side result. The tool is designed for a practical calculation without registration or a required client-side app.