Should you own or wait?

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1Your income

Annual gross salary

We estimate your take-home so you don't have to

Tax filing status

State

Second income? (optional)

Estimated effective tax rate: — · Monthly take-home: —

2Your savings

Current savings

Liquid accounts only

Monthly savings rate

After all current expenses

Down payment — 20% avoids PMI 15%

HYSA yield ?High-yield savings account rate. Used to project how your savings grow over time. 4.5%

3Target home

Home price

Interest rate (%)

Loan term

Property tax rate (%)

Default: 1.2% annually

When to buy ?This only shows your projected savings at that date. It does not affect the affordability calculation.

4Monthly expenses (not including housing)

Total monthly expenses$2,105

Car payments

Student loans

Insurance

Groceries

Utilities

Phone + internet

Subscriptions

Dining out

Travel

Childcare

Other recurring

Credit card (min)

Other debt payments

Emergency fund target ?Months of total living expenses you want in cash after closing. 6 months is the standard recommendation.

Include maintenance reserve %/yr

Affordability checks

Rent vs. buy

Cash gap

What needs to change

Scenario simulator

Tap any option to see your new DwellScore instantly.

True monthly payment

What you can afford

Debt-to-income (DTI)

Programs you may qualify for

Rate sensitivity

Your savings timeline

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