{"product_id":"home-affordability-calculator-spreadsheet-mortgage-comparison-budget-tracker-excel","title":"Home Affordability Calculator Spreadsheet | Mortgage Comparison, Budget Tracker (Excel)","description":"\u003cp\u003e\u003cstrong\u003eThe home affordability calculator most first-time buyers wish they had before house hunting.\u003c\/strong\u003e You don't need a financial advisor to know what you can afford; you need a spreadsheet that runs the same math lenders run, using your numbers, and shows the answer in seconds. Type in your income and debts and the dashboard shows your maximum affordable home price as one big number. No email capture, no guessing. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eAffordability Engine\u003c\/h3\u003e\n\u003cp\u003eThe Affordability tab calculates six lender rules side by side: the 28% rule, the 36% rule, the 43% maximum DTI (FHA\/VA), 5x income, 3x income, and a balanced recommended average. For each you see the maximum monthly PITI, maximum home price and maximum loan amount, so you can pick the level you are comfortable with.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 9 tabs and 115 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF (set up in 10 minutes)\u003c\/li\u003e\n\u003cli\u003eAffordability One-Pager PDF (print-ready for your lender meeting)\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — income, debts, savings, rate and term\u003c\/li\u003e\n\u003cli\u003eDashboard — your maximum affordable home as one big number\u003c\/li\u003e\n\u003cli\u003eAffordability — 6 lender rules with a full breakdown\u003c\/li\u003e\n\u003cli\u003eMortgage Compare — 3 lenders side by side with the best total cost highlighted\u003c\/li\u003e\n\u003cli\u003eDown Payment — goal, monthly contribution and an estimated buy date\u003c\/li\u003e\n\u003cli\u003eMonthly Costs — 15 categories beyond the mortgage\u003c\/li\u003e\n\u003cli\u003eClosing Costs — 20 fees with typical percentages\u003c\/li\u003e\n\u003cli\u003e5-Year Projection — equity build and appreciation\u003c\/li\u003e\n\u003cli\u003eGoals — a 15-milestone pre-approval checklist\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFirst-time buyers figuring out their real budget\u003c\/li\u003e\n\u003cli\u003eAnyone comparing pre-approval offers from several lenders\u003c\/li\u003e\n\u003cli\u003eSavers tracking a down-payment goal\u003c\/li\u003e\n\u003cli\u003eSpreadsheet-minded buyers who want clarity before house hunting\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export, a Quick Start Guide PDF and an Affordability One-Pager PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003ch3\u003eFile details\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFormat: .xlsx and .csv\u003c\/li\u003e\n\u003cli\u003e9 spreadsheet tabs plus PDF guides\u003c\/li\u003e\n\u003cli\u003e115 live formulas\u003c\/li\u003e\n\u003cli\u003eCompatible with Excel 2016+, Google Sheets, LibreOffice and Numbers\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal planning only. This is not mortgage or financial advice; lender rules and rates change, so confirm figures with a licensed lender. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274112897217,"sku":null,"price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8092572547_infd.jpg?v=1780069734","url":"https:\/\/spendflowstudio.com\/products\/home-affordability-calculator-spreadsheet-mortgage-comparison-budget-tracker-excel","provider":"SpendFlow Studio","version":"1.0","type":"link"}