Recommended monthly home payment
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Estimated home you can afford
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Where your salary goes
Effective tax rate0%
Marginal federal bracket0%
Net take-home / yr
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Net take-home / mo
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Two ways to look at it
Lender view (28/36)
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What banks will qualify you for, on gross income.
Estimated home value you can afford
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Take-home view (30%)
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A conservative budget from your actual after-tax pay.
Estimated home value you can afford
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Estimates only — 2025 federal brackets & FICA; state tax is a simplified effective rate. Not tax, legal, or lending advice.