Can I Afford This?
Income, debts, down payment, and rate → max purchase price, monthly all-in cost, and a clear affordability verdict.
All Tools
129 free real-estate decision tools with charts, scenarios, and shareable reports.
Buy vs Rent Decision
Compare 5–10 year total cost of buying versus renting for a specific price, rent, and rate — then get a fork verdict.
Rental Cash Flow Desk
Rent, vacancy, taxes, insurance, maintenance, and management → cash flow, cap rate, and cash-on-cash with a deal verdict.
Remodel ROI Desk
Upgrade cost vs likely value or rent lift — see payback years and whether the remodel earns its keep.
Offer Strength Score
Down payment, contingencies, earnest money, appraisal gap, and closing timeline → weak / solid / strong offer read.
Holding Cost Clock
Taxes, insurance, HOA, utilities, and loan interest while vacant or between tenants — the burn rate of waiting.
Property Decision Report
One page that stacks affordability, true ownership cost, and cash-flow risk into a shareable decision report.
True Door Price
Stack interest, taxes, insurance, maintenance, HOA, and closing costs into the real price of walking through that door.
Hidden Ownership Cost Stack
Total the recurring costs a listing never shows — taxes, insurance, upkeep, and fees.
Lifetime Interest Reveal
See total interest over the life of a mortgage — often more than half the house again.
Maintenance Reserve Planner
Size an annual maintenance reserve from home value, age, and condition.
HOA Fee Drag
Compound monthly HOA dues into their decade-scale invested opportunity cost.
Property Tax Forecaster
Project property taxes as assessments and mill rates climb over your hold.
Home Insurance Creep
Compound annual premium hikes into a decade of insurance cost.
Utility Footprint Estimator
Annualize utilities by home size so a bigger house shows its real running cost.
Cost Per Day of Ownership
Convert every ownership cost into one number: what this home costs you per day.
First-Year Cost Shock
Add closing costs, moving, furniture, and repairs to see year one's real bill.
PITI Payment Breakdown
Split a monthly payment into principal, interest, taxes, and insurance.
Amortization Truth Lens
See how little principal you build in the early years of a mortgage.
PMI Exit Clock
Estimate when you reach 20% equity and what PMI costs until then.
Points Break-Even Lab
Months to recover discount points from the monthly payment saved.
Extra Payment Accelerator
See years cut and interest saved from extra monthly principal.
Rate Shock Meter
Measure how a rate move changes your payment and total interest.
ARM Reset Preview
Preview the payment jump when an adjustable rate resets higher.
Biweekly Payment Edge
Quantify the payoff speedup from paying half your mortgage every two weeks.
Principal Crossover Date
Find the month your payment finally puts more toward principal than interest.
Loan Offer Duel
Compare two loan offers on payment, lifetime interest, and fees — side by side.
Rent vs Buy Fork
Side-by-side wealth paths: owning versus renting and investing the difference.
Break-Even Horizon
Estimate how many years you must stay for buying to beat renting.
“Throwing Away Rent” Myth Check
Compare rent 'thrown away' against interest, taxes, and fees owners never recover.
Price-to-Rent Ratio
Score a market's price-to-rent ratio against classic buy/rent bands.
Renter's Invest-the-Difference Path
Project the portfolio a renter builds by investing the ownership cost gap.
Frequent Mover Penalty
Total the transaction costs of buying and selling every few years.
Rent Increase Projector
Compound annual rent hikes to see your rent a decade out.
Down Payment Opportunity Cost
What that down payment could have earned if it stayed invested.
Flexibility Premium Framer
Put a number on the mobility you give up when you buy.
Wait-to-Buy Cost
Compare buying now versus waiting while prices and rates drift.
Cap Rate Lens
NOI over price — the yardstick every rental conversation starts with.
Cash-on-Cash Meter
Annual pre-tax cashflow against the actual cash you put in.
Gross Rent Multiplier Screener
Price over gross annual rent for a 10-second deal screen.
DSCR Check
Debt service coverage ratio the way a lender will compute it.
1% Rule Screener
Does monthly rent clear one percent of purchase price? Screen in seconds.
50% Expense Rule Check
Assume half of rent goes to expenses and see what cashflow survives.
Equity Multiple Sketch
Total cash returned over cash invested across a full hold.
Break-Even Occupancy
The occupancy rate where a rental stops losing money.
Price Per Door
Compare multifamily deals on cost per unit.
Return on Equity Check
Is trapped equity still earning its keep, or is it time to redeploy?
Landlord Cashflow Truth
Rent minus vacancy, repairs, capex, management, taxes, insurance, and debt — the honest monthly number.
Vacancy Leak Meter
Turn vacancy weeks into their true annual revenue leak.
CapEx Sinking Fund
Reserve monthly for roofs, HVAC, and water heaters before they reserve for you.
Turnover Cost Counter
Price a tenant turnover: vacancy, make-ready, leasing fees, and lost rent.
Property Management Trade-off
Management fees versus your hours — what self-managing really pays you.
Rent Roll Stress Test
Stress rent, vacancy, and expenses together to find your cashflow floor.
NOI Builder
Build net operating income line by line, the way an appraiser reads it.
Operating Expense Ratio Check
Compare your expense ratio to typical bands for the property type.
Delinquency Buffer Sizer
Size a reserve for missed rent months so one bad tenant can't sink you.
Rent Raise Timing Frame
Weigh a rent increase against the turnover risk it may trigger.
70% Rule MAO Calculator
Maximum allowable offer from ARV and rehab under the classic 70% rule.
Flip Profit Lab
Purchase, rehab, holding, and selling costs against ARV — the whole flip P&L.
Rehab ROI Ranker
Rank renovation projects by value added per dollar spent.
Holding Cost Burn Rate
Watch monthly holding costs eat flip profit as the timeline slips.
BRRRR Capital Recycle Meter
How much cash the refinance returns — and what stays trapped in the deal.
ARV Sensitivity Band
Test profit when the after-repair value lands high, expected, or low.
Hard Money Cost Stack
Points plus double-digit interest — what fast money really costs a flip.
Wholesale Spread Check
Contract price, assignment fee, and the margin left for your end buyer.
Sweat Equity Meter
Value your own labor on a rehab against hiring it out.
Timeline Slip Cost
Each month of delay, priced in holding costs and profit erosion.
Honest Affordability Meter
Max price from income and debts — using conservative ratios, not lender maximums.
Income Needed Reverse Calculator
Start from a listing price and back into the income that carries it safely.
DTI Guardrail
Front-end and back-end ratios against common underwriting bands.
Down Payment Runway
Months to your down payment at your current saving pace — with prices moving.
Closing Cost Estimator
Itemize lender, title, escrow, and prepaid costs before they surprise you.
House-Poor Detector
Flag when a payment squeezes out saving, investing, and living.
PITI vs Paycheck
Your full housing cost as a share of take-home pay, not gross.
Co-Buyer Split Planner
Split payment, equity, and exit scenarios when buying with someone.
Student Loan Qualifying Drag
How student debt shrinks the mortgage a lender will approve.
Stretch Scenario Stress
Stress a maxed-out budget against a rate bump, job gap, or new expense.
Equity Snowball Projector
Watch principal paydown and appreciation stack equity year by year.
Appreciation Reality Check
Deflate headline appreciation by inflation and carrying costs.
Forced Appreciation Lab
Value created by raising NOI on income property at a market cap rate.
Cash-Out Refi Frame
New payment and lifetime interest when you pull equity out.
HELOC Headroom Gauge
Tappable equity under typical combined loan-to-value caps.
Home vs Market Race
Race home equity growth against the same dollars in an index fund.
Principal Milestone Map
Dates you hit 10%, 20%, and 50% equity on a standard schedule.
Home Value CAGR Decoder
Turn 'it doubled since 2010' into an honest annual growth rate.
Negative Equity Guard
How far prices can fall before you owe more than the home is worth.
Sell vs HELOC Frame
Unlock equity by selling or borrowing against it — costs of each path.
Seller Net Sheet
Sale price minus agent fees, closing costs, and payoff — your true walk-away number.
Agent Fee Reveal
Commission in dollars — and what it would compound to if invested.
Capital Gains Exclusion Check
Estimate taxable gain after the primary-residence exclusion.
Staging ROI Frame
Staging spend against the price lift and faster sale it may buy.
Price Cut Math
What a listing price cut really costs you after the mortgage is paid off.
Days-on-Market Burn
Carrying costs for every extra month your listing sits.
Sell vs Rent It Out
Cash out today versus converting your home into a rental.
Trade-Up Gap Calculator
The real cash needed to jump from your current home to the next one.
Bridge Loan Frame
Cost of buying before you sell with short-term bridge financing.
Concession & Credit Math
Seller credits versus price cuts — which costs you less at closing.
STR vs Long-Term Showdown
Nightly revenue minus STR-grade expenses against a boring 12-month lease.
ADR × Occupancy Solver
Solve the nightly rate and occupancy combo that hits your revenue target.
Break-Even Nights Counter
Nights booked per month just to cover the mortgage and running costs.
STR Expense Stack
Cleaning, platform fees, supplies, utilities — the stack behind nightly revenue.
Seasonality Smoother
Spread peak and dead seasons into an honest monthly average.
Cleaning Fee Optimizer
Balance cleaning fees against booking resistance on short stays.
Furnishing Payback Clock
Months of STR premium needed to recover the furnishing budget.
STR Cap Rate Lens
Cap rate on projected STR income with STR-grade expense loads.
Regulation Risk Pad
Stress your STR model against a forced switch to long-term rents.
Host Time Wage
Divide STR profit by your hosting hours — your real hourly wage.
Price Per Sqft Duel
Compare two homes on price per square foot with adjustment notes.
Commute Cost Capitalizer
Capitalize commute time and fuel into an equivalent home-price difference.
School Premium Frame
The price premium a school zone carries — and its private-school equivalent.
Market Heat Gauge
Score a market from days-on-market, list-to-sale ratio, and inventory.
Property Tax Zone Delta
Same house, two tax rates — the 30-year cost of the county line.
Cost-of-Living Swap Lens
Trade your housing cost between two metros and see the annual delta.
Insurance Zone Delta
Flood, fire, and wind zones priced into the long-run cost of an address.
Walkability Value Frame
Cars you can drop and dollars you keep in a walkable location.
Climate Risk Pad
Pad ownership costs for rising insurance and hardening in exposed zones.
Rent Growth Compare
Compound two neighborhoods' rent growth and watch the gap widen.
15 vs 30 Year Fork
Payment, lifetime interest, and invest-the-difference — the full fork.
Buy Now vs Wait Fork
Price drift, rate drift, and rent paid while waiting — both futures priced.
Refinance or Not
Closing costs against monthly savings, with the reset-clock trap included.
Points or Invest the Cash
Buy the rate down or keep the cash compounding — one clear fork.
House Hack Frame
Rent from a spare unit or rooms against your mortgage — live-for-less math.
Duplex vs Single-Family Fork
Owner-occupied duplex income against a simpler single-family life.
New Build vs Resale Frame
Builder premiums and warranties against resale character and repairs.
Fixer vs Turnkey Fork
Discount plus rehab risk against paying full freight for done.
Cash vs Mortgage Frame
Paying cash versus financing and investing the rest — leverage made visible.
Second Home vs Investment Fork
Vacation home joy against the rental or index fund it displaces.
Downsize Dividend
Equity freed and costs cut by moving smaller — your downsizing paycheck.
Land vs House Frame
Raw land's carry-and-wait against a cash-flowing improved property.