/ Financial readiness first
Should you buy a home at all?
Other calculators ask for a house price. We ask about your income, your debt, and your savings — then tell you whether buying makes sense for your money right now.
— Three stages, one verdict
The math behind your decision
Stage 01
Stage 02
Stage 03
Your financial health check
The rent-vs-buy fork
Your verdict dashboard
Tell us your take-home income, current rent, total savings, and monthly debt. No house price required — we run the 28/36 rule and find your actual ceiling.
We show both paths side by side — monthly outflow, sunk cost, and net worth over 10 years — so the comparison is a number, not a feeling.
The honest breakeven horizon, a net-worth chart across 5, 10, and 20 years, and a Ready Score that tells you whether your emergency fund survives the down payment.
The next ten years, clearly.
Enter four numbers. Walk away knowing whether buying puts more money in your pocket — or out of it.