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Affordability Stress Test

10 real-life scenarios to see how your budget holds up when life happens.

Home & Loan
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Your Finances
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Stress Test Score
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Run test to see score
Stress Scenarios
Toggle scenarios to see how each impacts your score.
🔥
Insurance Spike
What if your homeowner's insurance increases?
+10% +25% +50% +100% Custom
🏛️
Property Tax Reset
What if property taxes are reassessed?
+5% +10% +20% Custom
🏢
HOA Increase
What if HOA dues rise significantly?
+10% +25% +50% Custom
🔧
Major Repair
Unexpected major repair cost.
\$5k \$10k \$20k Custom
📉
Income Drop
Job loss or pay cut scenario.
-10% -25% 1 income removed Custom
📈
Higher Rate
Rate increases after ARM reset.
+0.5% +1% +2%
🏃
Early Sale
What if you need to sell early?
1 year 3 years 5 years
💸
Unexpected Monthly
Regular unexpected expenses.
+\$250 +\$500 +\$1,000
🏠
Rent Increase (if renting)
How fast does rent grow?
+3% +5% +8%
🚨
Job Loss Reserve Test
How many months can you cover full costs?
Calculate