16 free housing decision tools
One clear housing question at a time.
Each working calculator has editable inputs, visible methodology and limits, and a tested browser-based engine.
True Monthly Home Cost
Put hidden monthly costs beside the lender payment.
BuyAffordability
Compare qualifying capacity with household budget.
ClosingCash to Close
Plan transaction cash and reserves.
Rent vs. buyRent vs. Buy
Compare paths over an editable time horizon.
Rent vs. buyMove-In Reserve
Separate transition spending from reserves.
OwnStay or Sell
Compare cash and continuing costs.
OwnMaintenance Reserve
Plan monthly and annual reserves.
BuildConstruction Budget
Itemize construction and carrying costs.
BuildBuild vs. Buy
Compare complete planning totals.
InvestRental Cash Flow
Calculate NOI and pre-tax cash flow.
InvestCap Rate
Calculate NOI divided by price.
InvestSell or Rent It Out
Compare sale proceeds with a rental path.
Loan structureDebt-to-Income
Compare lender and real-life ratios.
Loan structureDown Payment Comparison
Compare cash and monthly payments.
Loan structurePMI Timeline
Estimate cost and LTV timing.
Loan structureAmortization
See payment, interest, and balance.