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Affordability Planner

Affordability Planner

Enter income & expenses, set savings, preview housing. Credit score and down payment sliders update APR & payment instantly.

Total Monthly Income$0
Total Monthly Expenses$0
Mortgage Estimate$0
Target Savings$0
Disposable Income (after house)$0

1) Income

If you use Military Pay below, this auto-fills (Base + BAS + BAH).
DFAS ’25 Base + BAS by rank + BAH for 78236 (San Antonio).

2) Expenses

Build a detailed budget; totals will prefill above.

3) Savings Target

Savings comes before house—protect your buffer.

4) Home Purchase (What-If)

Estimated APR from credit score: 7.00% (illustrative).
APR/PMI are illustrative only; verify with your lender.

Visual Budget

Expenses Savings Housing Disposable
Healthy Plan
You remain cash-flow positive after expenses, savings, and proposed housing.
Meter shows share of income consumed by Expenses + Savings + Proposed Housing. Under 70% comfortable, 70–85% caution, above 85% risky.

Fiduciary Guidance

Enter values to see tailored guidance on risks and recommendations.
For education only, not financial advice.

SALMA's Fiduciary Analysis

Comprehensive Budget, Credit Score, and Purchase Analysis to ensure your Financial Health is in Order.

SA
Salma — Fiduciary Snapshot
Reads your budget, score & home target and returns professional, educational guidance.
A • drafting…
Disposable After Housing$0
Housing Share of Income0%
Total Committed Share0%
DTI (rough)0%
LTV0%
Credit Score → APR720 → 7.00%

Fiduciary Guidance

Make a change above or click “Re-run Analysis”.

Assumptions & Notes

Using your entered P&I, TI/HOA, PMI, and term.
Outputs are educational, not advice. For private analysis we call a secure serverless function; no keys on the page.

Orozco Realty's Financial Dashboard

The Financial Dashboard

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