HousingClarityMethodologyGet clarity
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HousingClarity
Methodology

Methodology & formulas

Transparent calculations: housing ratio, thresholds, stress testing, and scoring. Professional tone. No hype.

Clear, auditable math

Methodology

A transparent description of how the calculator evaluates affordability.

HousingClarity is a decision-support calculator. It takes your monthly numbers, computes the housing cost and remaining buffer, and then applies simple thresholds and stress testing to highlight risk.

Housing pressure

93%

Housing / buffer after fixed

Net after buy

$150

Income − fixed − housing

Score

18/100

Simple risk-weighted score

What this page covers
Housing ratio
How we measure monthly “pressure” relative to your buffer.
Risk thresholds
How we map pressure to verdicts.
Stress model
How we test interest-rate scenarios (3%, 5%, 7%, 9%).
Score calculation
A simple score that prioritizes stability and buffer.

Note: If your calc.ts has slightly different constants, this page should match those values for consistency.

Consistency builds trust

If you update the calculation model, update this methodology page too.

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HousingClarity is an automated decision-support system. Not financial advice.