Buying a house
$750K House or $850K House?
How much house can you comfortably afford?
- Compare home scenarios. Test prices, down payments, and timing in Wealth Coach.
- Understand the tradeoffs. Explore the potential impact on retirement, available cash, and college funding before making an offer.
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Example: Buying a home
A home that costs $100,000 more. The same projected retirement age.
Two scenarios with different purchase prices and dates.
Scenario A$750,000 home · 2027
Scenario B$850,000 home · 2029
- Projected retirement age
- 6363
- College funding
- 85%85%
- Vacation
- Fully fundedFully funded
A higher price and later purchase produce the same retirement and college projections for this household.
Change the price. Change the timing. See what fits your life.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
The Decision
The mortgage payment is only part of the answer.
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How much cash will you have left after closing?
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Will you still be able to fund college the way you planned?
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Could the larger mortgage change when you can comfortably retire?
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What happens to your other financial goals?
Being approved for the mortgage and being comfortable with what the house does to your financial future are two different things. Wealth Coach helps you understand the second.
See it in action
Your house. Your numbers. Your financial future.
Model the home you're considering and see how changing the decision affects the rest of your financial life in real time.
How Wealth Coach helps
Change the house. See what changes everywhere else.
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What happens if you buy the $750K house instead of the $850K house?
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What if you put more or less money down?
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What if you buy this year instead of next year?
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What if you choose a different mortgage structure?
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What if you adjust another part of your financial life to make the house work?
Accessible Cash
How much money will you have available after the down payment, closing costs, and ongoing housing expenses?
Retirement
Could buying this house change when you can comfortably retire?
College
Could the home affect how much of your children's college costs you can fund?
Other Goals
What does spending more on the house mean for everything else you're working toward?
Start by seeing where you stand. Free.
Your financial overview is free. Use Premium or an eligible trial to explore how this decision could affect your goals.
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No cost to see where you stand.
3–5 minutes
Create your initial financial profile in as little as 3–5 minutes.
Your own numbers
Personalized insight into how you’re tracking.
Build it once. Use it for every “what if?” that comes next.
See where you standWe built the financial decision tool we couldn’t find.
Wealth Coach combines highly customizable financial scenarios with approximately 250,000 interconnected formulas to help you understand how one decision could affect your other financial goals.
Explore your options anytime, directly from your phone.
Before you make the offer, run the decision
Download Wealth Coach.
Set up your financial picture and goals once. Then model the home you're considering and see what buying it could mean for everything else you're working toward.
Free to start.
Your financial overview is free. Editing and simulations require an upgrade or an active trial that includes those features.
Wealth Coach provides illustrative projections. Not financial advice.
Explore other decisions
The same financial picture works for your next question, from a new home to a change in income.
Explore all financial decisions