The calculators are right if you are using a good one, Grace. I assume you are using the one on Trulia, so I think it is reliable. There is something that is missing in your question. "Years ago" I suspect the interest rates were higher than they are now, since they are at an all-time low. (Unless you were calculating the previous mortgage years ago on an adjustable rate mortgage or something.)
A lower interest rate makes homes even more affordable than ever before, the problem is that many people don't have the required 20% down, or even the 3.5% down that an FHA loan requires. If you made less then, when you did the calculator, perhaps you have much more debt now. Or, another possibility is that you didn't do the calculator correctly the previous time.
Whatever the problem is, I suggest you talk to a lender to see what they tell you is a viable amount that you may be able to qualify for in a mortgage loan. You can start with the financial institution that you usually use, or give me a call and I would be happy to refer you to some reliable lenders.
Julie Barnett, (317) 847-0055