Can I Afford This?
Income, debts, down payment, and rate → max purchase price, monthly all-in cost, and a clear affordability verdict.
Decision Desk
Holding Cost Clock
Taxes, insurance, HOA, utilities, and loan interest while vacant or between tenants — the burn rate of waiting.
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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.
How to read this decision
Holding Cost Clock answers the question listings never do: whether this property decision clears your numbers. Taxes, insurance, HOA, utilities, and loan interest while vacant or between tenants — the burn rate of waiting.
There is nothing to install and no account to create — enter numbers, run it, and adjust until the picture is clear.
Methodology & next steps
This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.
- Start with realistic income, price, rate, and cost assumptions for your market.
- Use presets or Snapshot as B to stress-test a second path.
- Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
- Copy report or Print / PDF for a shareable decision page.
- Save scenarios on this device or copy the share link in the address bar.
- Export CSV/JSON when you want numbers in a spreadsheet.
About Holding Cost Clock
What is Holding Cost Clock for?
Taxes, insurance, HOA, utilities, and loan interest while vacant or between tenants — the burn rate of waiting. It focuses on whether this property decision clears your numbers, so you can compare realistic paths instead of a single optimistic listing photo.
How do I use Holding Cost Clock?
Fill in realistic values for your situation and run it. The output shows the key figures side by side, so rerun with different assumptions to stress-test the result.
Is Holding Cost Clock free?
Yes. Holding Cost Clock is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.
Is this financial or real estate advice?
No. Holding Cost Clock produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.