Affordability Guides
Know what you can really afford — before you commit.
These guides cut through the noise on mortgages, car loans, college costs, and every major financial commitment. Each one is paired with the calculator that makes the math real.
Is This Auto Loan Worth It?
The monthly payment is the least useful number when evaluating a car loan. Here is how to calculate total cost, true interest burden, and whether financing makes financial sense.
How Much Should You Actually Borrow?
The amount you can borrow and the amount you should borrow are very different numbers. Here's how to find the right one.
Should You Rent or Buy Right Now?
Renting is not throwing money away. Buying is not always building wealth. Here is the actual math that determines which makes more financial sense for your situation.
Should You Refinance Your Mortgage?
The 1% rule is a myth. The real question is how long until you break even on closing costs — and whether you will still own the home by then.
How Much Rent Can You Afford?
The 30% rule uses gross income — money you never see. Here is how to calculate your actual rent ceiling using take-home pay, fixed expenses, and savings targets.
How Much Will This Personal Loan Actually Cost?
The monthly payment is the least useful number when evaluating a personal loan. Total interest paid over the full term is what you are actually agreeing to.
How Much Faster Can You Pay Off Your Mortgage?
Extra mortgage payments eliminate years of payments and save tens of thousands in interest. Here is exactly what any extra payment does to your specific loan.
Is Your Car Making You Poor?
Most people drastically underestimate what their car costs. The payment is only part of it — depreciation, insurance, fuel, and maintenance tell the real story.
How Long Until You Can Afford a Down Payment?
A 20% down payment on a median home takes 6-10 years for most first-time buyers. Here is how to calculate your specific timeline and the levers that shorten it.
How Much Could You Borrow Against Your Home?
Your home is likely your largest asset. Here is how to calculate how much equity you can access, what it will cost, and whether using it makes financial sense for your situation.
Can You Afford to Have Kids?
The USDA's number is an average across income levels and regions. Your real cost depends on childcare in your city, your leave income gap, and your housing situation.
Can You Actually Afford That Boat?
The sticker price is just the start. Insurance, storage, maintenance, and fuel can double your real monthly cost. See what that boat actually costs before you sign.
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