Methodology
How Affordit calculates an honest route.
Affordit uses user-entered income, savings, living costs, contribution and timeline to estimate whether a purchase route looks realistic. It is guidance only, not financial advice.
Use the free toolAffordability score
Looks at savings strength, route speed and income sustainability
Rewards realistic timelines and meaningful savings
Can be reduced by strict honesty guardrails
Realism score and reality check
Compares required monthly contribution with take-home pay and spare income
Flags routes that are off track, not sustainable or not realistic
Prevents unrealistic routes from receiving flattering scores
Finance route estimate
Uses an amortisation formula when a user enters a rate, term, deposit and fees
Checks the estimated monthly payment against spare income
Does not provide finance offers, credit checks or eligibility assessments
Category-aware checks and limitations
Cars and luxury purchases are treated more strictly against annual income
House deposits focus more on savings route sustainability
Extreme purchases may score 0 when the route is not realistic
Results depend entirely on user-entered estimates