HousingClarity
Premium decision-support
Calm, high-trust. No hype, no feed.
A calm, honest answer to"Can I actually afford this home?"
Clear numbers, real long-term consequences: full breakdown, stress testing, rent vs buy, and a decision report you can share.
Numbers first
Transparent calculations. No hype.
Stress-tested
Rate scenarios + buffers.
Private
No account. Inputs stay local.
Designed to feel like modern premium software:
Example output (demo)
Sustainability score
62
0 - 100
Verdict
Caution
Monthly housing
$2,150
Net after buy
$640
Stress test
Tight
What you get
Full mortgage breakdown + charts
Rate stress test (3% to 9%)
Rent vs buy comparison
PDF decision report
Preview chart
Real charts live inside the calculator.
A full decision suite
Built for clarity. Designed to reduce regret.
Full cost breakdown
Total interest, total paid, year-by-year balance, principal vs interest split.
Stress testing
Simulate rates (3%, 5%, 7%, 9%) to see pressure before it happens.
Rent vs buy
Compare net outcomes and see the difference over time.
Opportunity cost
See what the down payment could become if invested over the same horizon.
Inflation reality
Real cost in today's money to avoid misleading nominal totals.
PDF decision report
Generate a clean summary you can share with a partner.
What early users say
Replace with verified quotes when you have them.
★★★★★
Early access"It didn't hype me up. It showed the monthly pressure and worst-case rates. That alone changed my decision."
Early user
First-time buyer
★★★★★
Early access"The stress test made it obvious what happens if rates move. I felt calm instead of guessing."
Beta tester
Buying as a couple
★★★★★
Early access"I liked that it doesn't pretend to be advice. It's just numbers and consequences. Clean and honest."
Early user
Upgrading home
★★★★★
Early access"The breakdown helped me explain the decision to my partner in five minutes. It reduced conflict instantly."
Beta tester
Family planning move
★★★★★
Early access"This feels like decision software, not a basic calculator. The charts and stress test are the point."
Early user
Budget-focused buyer
★★★★★
Early access"I ran three scenarios and the result was consistent: the monthly buffer matters more than the headline price."
Early user
Scenario testing
★★★★★
Early access"It didn't hype me up. It showed the monthly pressure and worst-case rates. That alone changed my decision."
Early user
First-time buyer
★★★★★
Early access"The stress test made it obvious what happens if rates move. I felt calm instead of guessing."
Beta tester
Buying as a couple
★★★★★
Early access"I liked that it doesn't pretend to be advice. It's just numbers and consequences. Clean and honest."
Early user
Upgrading home
★★★★★
Early access"The breakdown helped me explain the decision to my partner in five minutes. It reduced conflict instantly."
Beta tester
Family planning move
★★★★★
Early access"This feels like decision software, not a basic calculator. The charts and stress test are the point."
Early user
Budget-focused buyer
★★★★★
Early access"I ran three scenarios and the result was consistent: the monthly buffer matters more than the headline price."
Early user
Scenario testing
Keep it honest: swap these with real quotes when you have them.
Who it is for
A calm tool for real buyers - not an investment game.
Good fit if you...
- • want a neutral view of affordability
- • need stress testing before you commit
- • prefer calm software over hype
- • want to reduce regret and pressure
Not for you if you...
- • want investment tips or financial advice
- • need a lender or broker recommendation
- • are looking for guaranteed outcomes
- • want a feed, alerts, or hype
FAQ
Short, clear, high-trust.
Is this financial advice?+
No. It's a decision-support tool that calculates outcomes based on your inputs.
Do I need an account?+
No. Unlock is a one-time payment and access is stored locally for simplicity.
What happens if rates change?+
You can run stress tests at multiple rates to see how monthly pressure changes.
Can I run unlimited scenarios?+
Yes. After unlock you can test as many scenarios as you want.
Is my data private?+
Inputs are processed locally in the client calculator. No account is required.
One-time payment
One decision. One payment.
No subscriptions. No upsells. No pressure.
$315
Lifetime access · No account required · Inputs stay local