Built on real risk math. Explained in plain English.

Hi, I'm Elba Nabetcy Guissepe Avalo

I'm an actuary by training. My profession is measuring risk with data: building statistical and econometric models, valuing financial obligations, and explaining the results to people who have to make decisions with them.

CheckAfford applies that same way of thinking to everyday money questions. The math behind a loan is not complicated, but it is rarely shown clearly to the person signing for it. My goal is to show it.

Why I built this

Most people find out they cannot afford a loan after they apply — when the rejection hits their credit score, or when the monthly payments start squeezing their budget.

I built CheckAfford because the question "Can I actually afford this?" deserves a clear, honest answer in seconds — not after a hard credit pull, not after talking to a salesperson.

How the calculators work

Monthly loan payments use the standard amortization formula. Your debt-to-income ratio (DTI) is your total monthly debt payments divided by your gross monthly income — the same measure lenders look at.

Every result is an estimate based on the numbers you enter. It is not a loan offer, a pre-approval, or a prediction that a lender will approve you. Actual rates, fees, and approval rules vary by lender.

Each guide in the blog shows the date it was last updated. If you find a number that looks wrong, tell me and I will check it.

Principles

Free calculators — no signup

Every tool is free, requires no signup, and gives you a result in under 10 seconds.