🛟 CALCULATOR · 04 / 04
Affordability Calculator
Can I actually afford it? Get an honest timeline.
💡 Skip 1 fancy coffee/day ≈ $38/month saved
You'll have it in
You'll have it in
Total saved
$1,625
Daily savings
That's like skipping 16 coffees per week ☕
ⓘ How we calculate
Months = Price ÷ Monthly capacity. We round up.
How to use the affordability calculator
1. Enter your monthly take-home income
Use the amount that reaches your account after tax and deductions — affordability is judged on what you actually receive.
2. Apply the housing guideline
The calculator applies the common rule of keeping housing costs at or below 30% of monthly income, including rent or mortgage and basic utilities.
3. Add your other commitments mentally
The 30% figure covers housing only. Total debt payments — housing, vehicle, loans — are healthier below 40% so there is room for the rest of life.
Worked example
On Rp 10,000,000 take-home pay, 30% means up to Rp 3,000,000 a month for rent or mortgage. If you also carry a Rp 1,500,000 vehicle payment, your total commitments reach 45% — a signal to look at a smaller unit or a longer repayment period before committing.
Common mistakes
Using gross instead of net income
Rent based on gross salary looks affordable until tax and deductions arrive. Always calculate against take-home pay.
Forgetting the full cost of owning
A mortgage is more than the monthly payment — property tax, insurance, and maintenance can add a tenth again. Budget for the real total.
Ignoring other debts
Housing is your biggest line item but not your only one. Total commitments above 40% leave little room for savings or surprises.
Frequently asked questions
Is the 30% rule still relevant?
It is a widely used starting point, especially in high-cost cities. Use it as a guardrail, then adjust for your actual savings goals and debt load.
Does it count utilities?
Strictly, 30% is rent or mortgage alone. This calculator keeps utilities separate so the housing line stays comparable across locations.
Rent or buy — which should I check first?
Run affordability before comparing rent and buy options. If either exceeds the sustainable ceiling, the choice makes itself.
This calculator is for illustration only and does not constitute financial advice. Lending decisions depend on many factors a simple ratio cannot capture — consult a qualified advisor for your situation.
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