Mortgage affordability, loan payments, and inflation impact — calculated against live 2026 rate data from FRED and the U.S. Treasury.
Live rates from FRED · 30Y mortgage 6.95% · Fed funds 3.63% · CPI 4.2%
Mortgage Affordability Calculator ● 30Y: 6.95%
How much house can you afford at today's rates? Enter your income and debts.
Car payments, student loans, credit cards
Live 30Y rate auto-filled
Estimate: ~1.2% of home value / 12
$420,000max home price
Max monthly PITI$2,800
Loan amount$360,000
Monthly P&I payment$2,396
Total interest paid$503,000
Front-end DTI ratio28%
Back-end DTI ratio32%
Affordability signal
Moderate — within conventional limits, rates still elevated
Based on the 28% front-end / 36% back-end DTI guidelines used by conventional lenders. Actual approval depends on credit score, loan type, and lender. Not financial advice. Disclaimer
Rate context: why 6.95% matters
Same $400k loan at 3.0% (2021 rate)$1,686/mo
Same $400k loan at 6.95% (today)$2,658/mo
Monthly difference+$972/mo more
Annual difference+$11,664/yr more
Loan Payment Calculator ● Prime: 6.13%
Monthly payment, total cost, and amortization for any loan at current 2026 rates.
Business loans: prime + 2–4%
Optional — see payoff impact
$1,014/ month
Total repaid$60,840
Total interest$10,840
Effective APR8.50%
With extra payment — payoff in—
Interest saved with extra payment—
vs. 2021 rate (3.5%)$182/mo cheaper then
Rate environment signal
Rates still elevated — fix your rate now if you can
Rate benchmarks — June 2026
SBA 7(a) — variablePrime + 2.75% = ~8.9%
SBA 7(a) — fixed~9.5–10.5%
Conventional business loan8–12%
Business line of creditPrime + 1–4% = 7.1–10.1%
Equipment financing6–9%
Personal loan (good credit)10–16%
Rates are estimates based on FRED prime rate data and current lender offerings. Actual rates vary by creditworthiness, lender, and loan type. Disclaimer
Inflation Impact Calculator ● CPI: 4.2% YoY
How much has inflation eroded your purchasing power? What does a dollar from any year cost today?
$123,400today's equivalent
Purchasing power lost$23,400
Total cumulative inflation23.4%
Annualized rate (avg)3.9%/yr avg
To keep up, your salary needed to grow+23.4%
Impact on savings
Significant — cash savings lost real value. Invest or park in T-bills.
Year-by-year breakdown
Inflation data from BLS CPI (All Urban Consumers). 2026 uses current YoY figure of 4.2%. Historical figures may be revised. See inflation tracker →