Affordability comparison
Can I afford monthly payments with rent?
A monthly payment is more likely to be realistic if rent, bills, existing commitments and emergency buffer are already included before you commit.
Compare your routesSimple comparison
No lender comparisons, rates or approval claims.
| Route | Better for | Watch out for |
|---|---|---|
| Keep payment lower | Monthly breathing room | May extend timeline |
| Pay more monthly | Finishing sooner | Can crowd out rent and bills |
Example scenario
A payment that looks small alone may feel different once rent, council tax, utilities, transport and subscriptions are included.
Key things to check
Rent and bills
Existing payments
Emergency buffer
Whether the payment still works if costs rise
Keep comparing
Related affordability checks
Common questions
Should rent be checked first?
Yes. Rent and bills are core monthly commitments and should be included before adding another payment.
Does Affordit approve payments?
No. It is a planning tool, not an approval check.
Can I test different payment amounts?
Yes. Use the planner to compare routes.