What we do
649 costs covered
From a house down to a hearing aid. Type your own if yours isn't listed yet.
One honest risk read
Low, moderate, elevated, or high - the same four-level scale on every calculator, every time.
Free, nothing required
No account needed to get an answer. Sign in only if you want to save and track your numbers.
Who makes this
This site is built and written by one person - not a team, not a content agency. I started it because every affordability calculator I could find covered a house or a car and nothing else, and the decisions I actually agonized over were the ones in between.
I am not a CFP, a CPA, or a licensed financial advisor, and nothing here is financial advice. What I can tell you is exactly how every number on this site is produced: the formula, the thresholds, the multipliers, and the named public source and verification date behind every default figure are all written out on How we calculate risk. If you disagree with the model, you can see precisely what you are disagreeing with.
How this makes money: ads, eventually. That is the whole plan. There are no affiliate links in any of the 207 calculators, no lender referrals, and no arrangement where a result steers you toward a product that pays me. The risk score you get is not for sale, and your numbers are never sold or shared - see the Privacy Policy below.
If something is wrong, tell me. A rate that has moved, a cost that is out of date, math that does not add up - write to contact@caniafford.it or use the contact page, and I will fix it and say so.
Your data
Your income and saved items live locally in your browser by default - nothing goes to a server unless you sign in. Create a free account and your data syncs so it follows you across devices, but that's opt-in, not a requirement to use any calculator on the site. See the Privacy Policy for the rest.