About Afford My Place
We build clean, independent financial tools to help you find your actual housing budget comfort zone, free from commercial bias.
Why We Exist
Most online housing and mortgage calculators are built by lenders, brokers, or real estate portals. Their primary goal is simple: capture your contact details and qualify you for the largest loan possible to maximize commission structures.
We believe that housing decisions should start with your personal comfort zone, not a bank's maximum limit. **Afford My Place** offers tools that operate independently, utilizing standard DTI ratios and opportunity-cost simulations without any marketing traps.
Privacy by Design
We do not collect, store, or sell your personal details or calculations. All inputs and formulas run locally in your web browser. You do not need to sign up, enter an email address, or submit phone numbers to get detailed breakdowns.
Our Core Principles
- Utility First: No distracting ads, popups, or aggressive sales funnels. Just crisp interfaces and clean math.
- Transparent Rules: We explicitly explain the formulas we use—whether it's the standard landlord 40x rule or conventional 36% DTI boundaries.
- Opportunity-Cost Aware: Buying a home is a major investment, but it carries unrecoverable costs. Our models help you compare buying equity against liquid stock market returns.