What's holding you back, and what would move it
Your rent, co-op, and condo ceilings from the numbers saved in this browser. For each one: whether income or cash sets the limit, and which single change would raise it most.
Your numbers
Nothing is saved in this browser yet, so this plan uses a sample profile. Enter yours on Start here or Compare with "Save" turned on, then come back.
- Income
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- Other debts
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- Cash you can count
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Edit income, debts, and accounts · Save this as a scenario · Compare scenarios
Renting Calculated
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Biggest single moves
Buying a co-op Calculated
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Biggest single moves
Open the co-op calculator · How do I afford more? · Savings plan · What if rates move?
Buying a condo Calculated
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Biggest single moves
Open the condo calculator · How do I afford more? · Savings plan · What if rates move?
How this works
It's the same math as Compare rent, co-op, condo: your saved income, debts, and accounts, plus the rate, down payment, and building costs you last saved on each calculator. Anything you never set uses the site's sourced defaults. Each ceiling is the lower of two limits: what your income supports under the debt-to-income or 40× rule, and what your cash covers once the down payment, closing costs, deposits, and any required reserves are paid.
"Biggest single moves" change one thing at a time and rerun the calculator. They don't stack, so two together can be worth less than their sum once the other limit takes over. The lift amounts are the smallest change that brings the binding side level with the other one.
These are estimates from this site's formulas, not advice, a pre-approval, or a board decision. Buildings and lenders set their own rules. This page reads your browser's saved data and nothing leaves your device.