Reality Rent Check

Reality Rent Check is a web + mobile app that tells you, in plain language, whether you can actually afford a specific rental or mortgage payment without wrecking your finances. You paste a listing link or enter the monthly payment, your income, debts, and location. The app then runs hard constraints: rent-to-income, debt-to-income, local cost-of-living, commuting costs, and realistic savings targets. Instead of vague advice, it gives a blunt verdict: green (sustainable), yellow (risky), or red (financially stupid), with specific numbers on how much you’ll have left for food, transport, emergencies, and debt. It also simulates shocks like job loss, rent hikes, and interest rate changes, so you see how fast things fall apart. This is not a feel-good budgeting tool; it’s a cold filter that tells you “no” when your emotions say “yes.” You can compare multiple places side by side, see how roommates change the math, and export a simple plan to hit a safe affordability threshold. It’s designed to stop people from sleepwalking into housing decisions that trap them for years.