Real Life Ratio

The Real Life Ratio is an answer to the self-interested housing affordability calculators offered by banks and other lenders, as well as the real estate industry. Their tools look at how much mortgage you can afford without posing a significant default risk. There’s zero consideration of how well you’ll be able to juggle your housing costs, plus expenses like daycare, emergency funds and saving for retirement or your children’s education.

The Real Life Ratio is a guide to how much house you can afford – and still meet these other important financial obligations. Whether you’re looking for a home or you already own, the RLR will show you where you really stand.




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