RSU Home Buying Power Calculator
Your equity is real buying power. Plug in your comp and savings to see how much home you can afford across Silicon Valley — and which cities are within reach today. Free, no sign-up.
Enter your base salary and mortgage rate to see your buying power — the rest sharpens the picture.
Estimates use a 36% front-end debt-to-income ratio on a 30-year fixed loan and exclude property tax, insurance and HOA dues. Lenders typically require a two-year history to count RSU income. For guidance only — not a lending decision.
Your Buying Power Curve — Next 4 Years
A snapshot budget hides the real question: when does your target city come within reach? Enter what actually vests each year and how much of it you bank, and watch your budget curve cross city medians quarter by quarter.
Base salary, current savings, debts and rate carry over from the calculator above.
How Each Lender Actually Counts Your RSUs
Same comp package, wildly different loan approvals. Some lenders average 2 years of vests, some take today's schedule, some haircut volatile tickers by 25–35%. Get the current lender-by-lender RSU playbook — which underwriters are friendliest to equity-heavy comp, and how to package your file.
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