Affordability Calculator

Find out what you can actually afford. Calculates PITI, PMI, and checks your debt-to-income ratio against the 28/36 rule.

Pre-filled with current mortgage rates

Rent vs. Buy Calculator

Compare wealth-building paths: buying and building equity vs. renting and investing the difference. Find your breakeven year.

Uses live median prices + HUD rent data

Condo True Cost Calculator

See what HOA fees really cost over 10-25 years with compounding increases, special assessments, and opportunity costs.

Based on The Condo Trap research

Resale Breakeven Calculator

How long do you need to stay to break even after closing costs, commissions, and the true cost of selling?

Based on The Resale Trap research

Commission Savings Calculator

Compare flat-fee MLS services (Fizber, Houzeo, Beycome) vs traditional 5-6% realtor commissions. State-aware, post-NAR settlement.

Based on The Resale Trap research

Rate Impact Simulator

See how each 0.25% rate change reshapes your monthly payment, total interest, and what you can afford. Side-by-side rate comparison table.

Pre-filled with current mortgage rates

Investor Yield Calculator

Calculate cap rate, cash-on-cash return, GRM, and monthly cash flow for any rental property. Includes 10-year wealth projection.

Cap rate + Cash-on-cash analysis

Comp Sheet Builder

Paste 3-10 listing URLs from Zillow / Redfin / Realtor / Trulia, fill beds/baths/sqft/price, and get median + mean + per-comp $/sqft for any subject property. Save sheets via shareable URL.

Manual comp builder + shareable links
Why these calculators exist: Most housing calculators only show you the monthly payment. Ours go deeper — factoring in opportunity costs, HOA fee compounding, closing costs on both sides of the transaction, and the actual breakeven math. Every input is pre-filled with live market data so you start with real numbers, not guesses.
Calculators are educational tools only and do not constitute financial advice. Actual costs vary by location, lender, and individual circumstances.