Housing calculators, made clear.

Rent affordability

Find a monthly rent budget using your take-home pay, everyday expenses, and the savings you want to protect.

Rent split

Split a two-bedroom rental using a shared portion and a room-size portion. See both shares add up to the rent.

Prorated rent

Calculate a partial-month rent amount using actual calendar days, a 30-day month, or an annualized daily rate.

Rent increase

Translate a proposed rent change into a percentage, monthly difference, and additional annual cost.

Mortgage payment

Estimate a fixed-rate mortgage payment with separate property tax, insurance, HOA, and mortgage-insurance inputs.

Rent vs. buy

Compare projected renter investments with owner equity, including a down payment, sale costs, and monthly cost differences.

Down payment savings

See the cash target for a down payment and buying costs, and how many months of saving could get you there.

Closing cost

Estimate buying costs, down payment, and remaining cash needed after your deposit and agreed credits.

Rental cash flow

Estimate net operating income and monthly cash flow after vacancy, recurring expenses, debt payments, and a capital reserve.

Cap rate

Calculate capitalization rate from annual NOI and property value, or estimate the value implied by a target cap rate.

Cash-on-cash return

Compare annual pre-tax cash flow with the down payment, acquisition costs, repairs, and reserves you commit upfront.

DSCR

Measure annual net operating income against debt service and explore debt capacity at a chosen coverage target.

Net effective rent

Compare gross rent, free months, rent credits, and mandatory costs to see both the advertised average and a normal paid-month bill.

Extra mortgage payment

Estimate interest savings and months saved when you pay extra principal each month on a fixed-rate mortgage.

Rental property expense

Budget taxes, insurance, management, repairs, utilities, vacancy, and capital reserves; compare cash flow under five occupancy scenarios.