Smarter Affordability. Easier Homebuying

affordify.ai HomePlan^TM shows you what you can truly afford — without hurting your credit score. Plan smarter, save better, and move toward your new home with confidence

Check Your Affordability for FREE

affordify.ai HomePlan^TM gives you clarity and guidance

No matter where you are on your journey, you’ll always know your next step

Buying a Home

Understand your true budget, see realistic monthly payments, and know what lenders will expect — all before you apply

Renting a Home

Check if your income comfortably supports your target rent, stay within a safe range, and avoid financial stress

Unsure if you should rent or buy?

Compare both options side by side and see whether it’s smarter right now to keep renting or to start buying

Get Started Today!

What you get with affordify.ai

Real Affordability Score

Based on your actual income, spending, and savings — not rough assumptions

No Credit Score impact

Check your affordability with no hard pull and no effect on your credit score

Monthly payment clarity

Understand how down payments, interest rates, or loan terms change your monthly costs

Track your progress

Follow your journey over time and know when you’re truly mortgage-ready

AI financial guidance‍

Get personalized suggestions to cut spending, save smarter, and improve readiness faster

Lender-ready reports‍

Download a report that confirms your financial readiness for a mortgage — ready to share with agents or lenders

Take Control of Your Finances

How it works

Start Smart.
Get Clear.
Move Forward

Step 1

Sign Up in Seconds

Use your existing account (like Google or Apple) to get started. No password to remember, no long forms to fill out—just a smooth, secure entry

Step 2

Connect Your Bank Accounts Securely with VISA

Connect through Visa or manually. Your data is encrypted, read-only, and never shared—your privacy stays protected

Step 3

See what you can afford

Get a clear picture of your true home budget — including monthly payments and down payment impact. No guessing, just clarity before you apply

Step 4

Get Personalized Insights and Guidance

affordify.ai instantly analyzes your finances and delivers tailored tips, affordability breakdowns, and smart support from your built-in AI assistant

Why Use HomePlan^TM

Affordability score you can trust

Get a clear picture of how much home you can actually afford — based on real income and spending

Understand how lenders see you

See your debt-to-income ratio and key signals banks use

AI financial assistant

Ask questions, use suggested prompts, and get personalized guidance on saving, budgeting, or mortgage readiness

Watch your financial health improve

Track your journey over time and know exactly when you’re ready to move forward

Try affordify.ai in action Today!

Supporting connectivity to 5,000+ Financial Institutions Nationwide

Start Free. Upgrade When You're Ready

Basic Plan

FREE

Full Affordability Snapshot
Money Management Rating
Property Affordability Estimate
One-Time Report
PDF Report Download

Premium Plan

$14.99

All that include One-time Report Plan
4 Dashboard updates each month
Unlimited AI Chat Access
PDF Report Download
Deposit Goal Tracker + Visual Timeline
Progress Dashboards
Financial Insights
Email Alerts for Spending Trends
UNLIMITED Reports (individual and joint)
“Coach Mode” AI with dynamic financial milestones
Spouse/Partner/Co-buyer Invite
VIP Support + 1:1 Onboarding
Early Feature Access (e.g., Affordability Certification Badge)

Unlock Your Financia Insights

Take the first step toward your new home today with the HomePlan^TM

Get Started

Frequently Asked Questions

What makes affordify.ai different from a credit score?

affordify.ai evaluates real-time spending habits, income, and financial commitments—giving a more accurate financial health picture

Will checking my affordify.ai Score affect my credit?

No! affordify.ai does not perform hard credit checks

How does affordify.ai analyze my financial data?

Once you connect your bank, affordify.ai securely analyzes your income, spending, and saving patterns. It uses this data to create a real-time affordability profile and offers insights tailored to your financial situation and goals

Is it safe to connect my bank account?

Yes. We use bank-level encryption and read-only access, meaning we can see your financial data to help you—but we can’t move money or make changes. Your credentials are never stored or shared