Most people buy their home in the dark.

Don’t be one of them.

Stop scrolling through homes you can’t afford. Keynomic shows your real monthly cost and cash left on every listing — so you shop with confidence, not guesswork.

Keynomic Score™Manageable
0
out of 100
Strong foundation
Monthly Cost
$0
taxes, insurance, HOA included
Cash Left
$0
after all housing costs

Your score. Your numbers. No surprises.

Available Now
Download on the App Store
Coming Soon
Coming Soon on Google Play

Currently available on the App Store by invitation only.

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The Problem

Most people buy their
home in the dark.

You search without a budget.

You spend hours on Zillow only to discover the home is $200K out of reach — time wasted on homes that were never real options.

Pre-approvals can lie.

Pre-approvals don't always reflect the full cost — taxes, insurance, HOA, maintenance. The number you're given is not the number you actually pay.

The real cost hits later.

You make the most expensive decision of your life with incomplete information. And the regret comes later.

That's how people end up house poor.

Insights

Why So Many Buyers Wait

Many prospective buyers don’t stop looking because they don’t want to own a home—they stop because they believe homeownership is financially out of reach. Research shows that misconceptions about affordability, credit, and down payments continue to prevent many consumers from taking the next step.

90%

of consumers overestimate or do not know the minimum down payment required to purchase a home.

Fannie Mae Consumer Mortgage Understanding Study
54%

of consumers didn’t know the minimum credit score generally required to qualify for a mortgage.

Fannie Mae — How Much Do U.S. Households Know About Qualifying for a Mortgage?
Many Buyers Rule Themselves Out

Research continues to show that misconceptions about affordability, down payments, and mortgage qualification cause many prospective buyers to delay conversations with real estate and lending professionals.

Fannie Mae Consumer Mortgage Understanding Study
Clarity Changes Everything

When buyers understand what may actually fit their financial picture, they’re better prepared to move forward with confidence and have more informed conversations with real estate and lending professionals.

The Solution

One number.
The whole picture.

Know what you can actually afford.

Connect your income, savings, and debt. Keynomic builds an honest picture of your financial reality — not an estimate, not a guess.

See how each home fits your finances.

Every listing shows your real monthly cost — mortgage, taxes, insurance, and more. No surprises after you fall in love.

Make confident decisions.

Your Keynomic Score tells you exactly how comfortable a home fits your life. Compare, contrast, and offer — knowing the full picture.

How It Works

Clarity in
three steps.

1

Connect your finances

Enter your income, savings, and existing debt. No credit pull required.

2

Get your Keynomic Score

A personalized readiness rating calculated from your actual financial profile.

3

Browse homes with your numbers attached

Every property shows your monthly cost, cash left, and fit score — instantly.

The Platform

Built to guide
every decision.

Three tools, working together. One clear picture of every home.

Keynomic Score™

Understand the impact of every home.

Every property is evaluated against your financial profile. The Keynomic Score shows how a home actually fits your finances — not just whether you can buy it. So you can compare and decide with confidence.

0/100
Manageable
Monthly$4,280
Cash left$1,950
Kino AI

Know exactly where you stand.

Kino works alongside you — answering questions and running the numbers in real time. Monthly cost breakdown, affordability rating, risk flags, and a plain-English verdict. So you understand exactly where you stand.

K
Based on your profile, $4,280/mo is manageable — you'd have $1,950 left each month.
Guide

Navigate real estate with confidence.

Buying a home involves more decisions than most people expect. Guide is your on-demand resource for every step — from understanding loan types to making sense of inspection reports. Clear, plain-English answers when you need them.

How much should I put down?Down Payment
What does DTI actually mean?Financing
Should I waive the inspection?Offer

See Keynomic Score™ In Action

Every listing,
personalized.

See what you'll actually pay — with your real numbers attached to every home.

514 Ridgemont Way, a home in Austin, TX
Comfortable
Strong fit

514 Ridgemont Way

Austin, TX

$638,000

82
Monthly$4,210
Cash left$2,380
19 Coastal Sage Ct, a home in Scottsdale, AZ
Manageable
Within budget

19 Coastal Sage Ct

Scottsdale, AZ

$875,000

72
Monthly$5,620
Cash left$1,640
2847 Sycamore Glen Rd, a home in Irvine, CA
Stretch
Above budget

2847 Sycamore Glen Rd

Irvine, CA

$1,185,000

58
Monthly$6,490
Cash left$820

Keynomic Score

Comfortable
0/ 100

Property

514 Ridgemont Way

Austin, TX · $638,000

Monthly

$4,210

Cash Left

$2,380

Cost Breakdown

Mortgage (P&I)$3,060
Property Tax$640
Insurance$130
HOA / Misc$380
Total Monthly$4,210

Affordability Signal

DTI Ratio24%
Housing Ratio21%
Emergency Fund7.2 mo

Select any property to unlock its full cost breakdown and affordability signals.

Preferred Partners

Work with buyers
who know their numbers.

Keynomic connects professionals with buyers who have already done the financial work — before the first showing, before the first call.

Real Estate Agent

A better kind of buyer.

Your clients arrive with a clear picture of what they can sustain. No inflated expectations, no wasted tours. Just focused buyers ready to move when the right home appears.

  • Buyers already know their real price range — not just their pre-approval
  • Every conversation starts from aligned expectations, not guesswork
  • Less time spent on homes that will never work
  • Higher-intent clients from day one

Mortgage Lender

Meet borrowers earlier. Close faster.

Reach buyers at the start of their search — when they're building their financial picture, not after they've already chosen a lender. Conversations that start with shared clarity.

  • Borrowers who understand their DTI, housing ratio, and monthly limits
  • Earlier touchpoint in the buyer journey — before they go to a competing lender
  • Cleaner qualification conversations with no expectation mismatch
  • Higher pull-through rates on applications

A curated network, not an open marketplace.

We onboard a limited number of partners per market. Applications are reviewed individually — so every partner in the network earns their place in it.

Apply to partner

Early Access

Make your next move
with confidence.

Join the buyers who stopped guessing and started shopping with their real numbers. Your Keynomic Score™ is ready — it takes minutes, not weeks.

Request Early Access

You may opt out of communications or data sharing at any time.

Keynomic is not a lender, broker, financial advisor, or tax professional. Information provided is for informational purposes only and should not be considered financial, legal, or tax advice. All estimates are based on user inputs and available data and may not reflect actual costs or outcomes. Users should consult with qualified professionals before making financial decisions.

Keynomic Score™ is a trademark of Keynomic.

Apple, the Apple logo, App Store, iPhone, and iPad are trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Keynomic is an independent application and is not affiliated with, sponsored by, or endorsed by Apple Inc. or Google LLC.

© 2026 Keynomic. All rights reserved.

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