About HowAffordable.com

About HowAffordable

How the calculators work, who publishes them, and important disclaimers.

HowAffordable is published by 716 Ventures LLC. The home and auto calculators go beyond a simple monthly payment estimate. By factoring in your existing monthly bills, they show how much money you'll actually have left over each month — helping you see not just how big a payment is, but how realistic it is for your budget.

After answering a few quick questions, the dashboard generates an industry-standard loan estimate based on your income and debts. From there, you can toggle debts on and off, and adjust loan terms, down payment, and loan size — all in one place.

Answers exist only in your browser for this session. Nothing is saved to an account. Curious if paying off a credit card could put a home or car within reach? HowAffordable.com helps you model that.

For the formulas, scoring bands, and public sources those estimates are compared with, read the methodology. For worked examples, see the guides.

Select your inquiry type

Are you looking to purchase a car or home?

Answer a few simple questions

No information is saved ever.

Use our calculators

See how affordable the new purchase really is.

Calculator Disclaimers

By using these financial calculators, you acknowledge and agree to the following. These disclaimers are essential for your protection and for ours.

1. Not Financial Advice

The results provided by our calculators are for informational and illustrative purposes only. They are not intended to be, and should not be considered, financial, investment, legal, or tax advice. 716 Ventures LLC is not a financial institution, lender, or fiduciary. The information provided does not constitute an offer or solicitation for any financial product or service.

2. Estimates Only / No Guarantee of Accuracy

The calculations are based on the data you provide and on common, middle-of-the-road assumptions. They are estimates and are not guaranteed to be accurate or applicable to your individual circumstances. Actual loan terms, interest rates, monthly payments, and qualification criteria will vary based on your credit history, income, debt-to-income ratio, the lender, and prevailing market conditions.

3. Third-Party Factors Not Included

Our calculators do not and cannot account for all variables that affect loan affordability. Factors not included may be, but are not limited to:

Private Mortgage Insurance (PMI)
Homeowners’ Association (HOA) fees
Property taxes and homeowners’ insurance (unless specifically estimated)
Loan origination fees and closing costs
State-specific taxes and fees
Your complete financial profile and creditworthiness

4. Consult Professionals

Before making any financial decisions, you must consult with qualified professionals. This includes, but is not limited to, a financial advisor, a licensed mortgage broker or lender, a real estate agent, and an accountant. Do not rely solely on the information provided by our calculators.

5. User Assumes All Risk

Your use of the calculators is at your own sole risk. You assume full responsibility for any decisions you make based on the information provided. We shall not be liable for any damages or losses, direct or indirect, arising from your use of or reliance on these tools.

6. No Professional Relationship

Use of the calculators does not create any professional relationship (e.g., advisor-client, fiduciary) between you and 716 Ventures LLC.

7. Relationship to Terms of Service

These disclaimers supplement and are incorporated into our main Terms of Service. Please review our Terms of Service for a complete understanding of your obligations and our limitations of liability.

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