# Enter Your Affordability Check | MyDebtLens

Use MyDebtLens to enter net monthly income, categorized fixed obligations, flexible spending, a breathing-room target, timing, and the new commitment you are considering.

This no-signup public check runs from numbers you enter in the browser session. It is not financial advice, loan approval, or a credit decision.

## What the V2 check collects

- Monthly take-home income
- Categorized fixed monthly obligations
- Flexible monthly spending
- Monthly breathing room to protect
- New commitment type: monthly cost, pay from savings, finance it, or home equity / HELOC
- Start timing
- Optional gentler-version checks for smaller amount, replacement cost, lower target, or delayed start. Applying one of these updates the fields above and can be undone before viewing the result.

## What it estimates

- Room before the new commitment
- Estimated monthly impact
- Room after the new commitment
- Whether the breathing-room target is preserved
- Savings impact for one-time expenses paid from savings

Can I afford it? v1.22 · Updated June 2026.