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See the home price that fits your income using the 28/36 rule — then save toward it automatically in Hunch.
This calculator uses the classic 28/36 rule: aim to spend no more than 28% of your gross monthly income on housing, and no more than 36% on total debt. From the payment that fits those limits, it works backward to a home price at a 30-year term.
A lending guideline: housing costs should stay under 28% of gross monthly income, and all debt payments under 36%. Staying inside both keeps your budget comfortable and improves loan approval odds.
Yes. Your down payment adds directly to the price you can buy, and it reduces the loan you need — so more of your monthly budget buys home rather than interest.
No. The maximum is a ceiling, not a target. Leaving room for savings, emergencies and life keeps you out of being “house poor.”
Set a down-payment goal in Hunch and it tracks your progress automatically, showing when you’ll hit your target based on your real saving pace.