THE HOUSE-POOR REALITY CHECK

What does this house
do to your life?

The listing tells you the price. We show you the tradeoff.

Life fit now · Lender lens · Future fit

01 / THE HOUSE

Start with the place
you can't stop thinking about.

ZIP code

Used locally for a property-tax fallback. Home price

Down payment

Use a percent or switch to a dollar amount.

No listing link or account needed. Your finances are never sent to us.

02 / YOUR LIFE NOW

Let's protect the life
you already like.

Monthly take-home income

After taxes and payroll deductions, for your household. Current monthly housing cost

Rent—or mortgage plus taxes, insurance, HOA, and upkeep. Exclude utilities.

03 / WHAT YOU WANT TO KEEP

A house should fit your life,
not erase it.

Monthly spending besides housing

Food, utilities, cars, childcare, trips, subscriptions—everything except housing and savings. Monthly savings goal

The amount you want to keep saving after you buy.

YOUR REALITY CHECK

THINK

This house is possible—
but it changes things.

Estimated all-in cost$0/mo

That’s $0/day more than now+$0/mo

THE LIFE IMPACT〰

Monthly savings$0vs. your $0 goal

Cash cushion$0after life + housing

LENDER LENS OPTIONAL

How this payment
may look to a lender.

Life Fit uses your take-home pay and full spending. Lender Fit uses gross income and required debt payments instead.

Check the payment ratioNot a preapproval.

YOUR PRICE SWEET SPOT

Keep your life.
Change the house.

Comfortable target$0while protecting savings + 5% monthly breathing room

FUTURE FIT OPTIONAL

What could this home
cost your future?

Compare your investing path before and after this payment—without turning this into a retirement-planning intake form.

See the investing tradeoff401(k), Roth, HSA, and brokerage—combined.

Make it more accurateFine-tune the assumptions+

These are planning estimates, not quotes. Change anything you know.

Interest rate

Loading the current Freddie Mac national 30-year average… Loan term

yrs

Property taxes / year

Use the listing or assessor bill when available. Home insurance / year

State-average fallback; replace with an insurance quote. HOA / month

Upkeep reserve / year

Reserve for repairs and long-term upkeep—not a monthly bill.

Tax and insurance are planning estimates. Confirm with the listing, local tax assessor, and insurance quotes before deciding.

MORE THAN A MORTGAGE PAYMENT

A home affordability calculator
built around your actual life.

Buy or Bolt estimates the full monthly cost of a home—including principal and interest, property taxes, homeowners insurance, PMI, HOA dues, and an upkeep reserve. Then it compares that cost with your take-home pay, spending, and savings goal.

Life FitSee whether the payment protects the savings and flexibility you care about.

Lender LensOptionally estimate debt-to-income ratio using gross income and required monthly debts.

Future FitCompare how the home could change your long-term retirement and brokerage investing path.

Free to use, no account required, and your financial inputs stay in your browser.

Read the plain-English homebuying guides →

What does this housedo to your life?

Start with the placeyou can't stop thinking about.

Let's protect the lifeyou already like.

A house should fit your life,not erase it.

This house is possible—but it changes things.

How this paymentmay look to a lender.

Keep your life.Change the house.

What could this homecost your future?

For your partner,or the group chat.

A home affordability calculatorbuilt around your actual life.