House Affordability Calculator
Strict 28/36 DTI rule — front-end housing ratio and back-end total debt ratio.
100% Secure. Calculations run locally — your data never leaves your browser.
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Max home price (28/36 DTI)
$365,130.23
Limited by front-end (28%) · housing budget $2,380.00/mo
Monthly PITI
$2,380.00
P&I $1,928.63 · T $334.70 · I $116.67
Front-end DTI
28%
Housing ÷ income (cap 28%)
Back-end DTI
33.3%
All debt ÷ income (cap 36%)
DTI ratio gauge
Front-end (housing)28% / 28%
Back-end (total debt)33.3% / 36%
Affordability — answers & formulas
Deep-dive formulas, definitions, and worked examples — indexed for search and ready to share.
Math HistoryLondon · 1843
The First Algorithm Ever Written
While translating notes on Charles Babbage's Analytical Engine, Ada Lovelace appended an algorithm to compute Bernoulli numbers — a method so meticulous it is widely considered the first computer program. She also predicted machines would one day compose music and manipulate symbols, not just numbers.
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