Estimate your paycheck after taxes, build a monthly budget, and see how much house you can afford — all in one place.
Federal income tax, Social Security, and Medicare on your gross pay.
Estimates use 2025 federal brackets, the standard deduction, and FICA rates (6.2% Social Security to the wage cap, 1.45% Medicare). State income tax is a simplified 2025 estimate using each state's standard deduction and rates; local taxes, credits, and exemptions aren't included.
Allocate your monthly take-home across expenses, savings, and everything left over.
See how much house you can afford and what the monthly payment looks like.
Affordability caps total monthly housing plus debts at your chosen ratio. This uses your net take-home income carried from the paycheck tab, so the estimate is more conservative than a lender's, since lenders typically apply DTI to gross income. The interest rate is pre-filled with the current national average for a 30-year fixed loan (about 6.5% as of July 2026) — adjust it to a quote you've received. Choosing an adjustable rate lets you set the initial rate and an estimated adjusted rate after the fixed period.