Mortgage Calculator
Estimate the cost of financing a home. Adjust the price, deposit, assumed annual rate and repayment period to explore the numbers.
Property and loan details
The initial 12% rate is an editable example assumption, not a current bank rate or offer.
Payment estimate
Enter a valid property price and loan details to see an estimate.
How Much Home Can I Afford?
Explore an estimated home budget from your income, current monthly debts and available deposit. This is a planning calculation, not mortgage qualification.
Your planning inputs
Planning assumption: mortgage payment plus existing monthly debt is capped at 30% of gross monthly income. This is not a Kenyan lender rule. Change the assumed rate to explore different scenarios.
Estimated home budget
Enter your monthly income and valid planning inputs to see an estimated budget.
Mortgage and affordability calculations provided by Trace are estimates for informational and planning purposes only. They are not financial advice, mortgage approval, a loan offer, or a guarantee of lending terms. Actual rates, fees, eligibility and repayments depend on the lender and your circumstances.