All tools
22 calculators for the full home-finance lifecycle. Every tool runs client-side, no signup, no email required.
Buying
Pre-approval, payment, qualification, comparison.
All factors weighed: should you buy, house-hack, save, or rent? With listings.
Full PITI breakdown with amortization.
Max home price from income, debts, and DTI.
Program-specific qualification across conventional, FHA, VA, jumbo.
Compare up to three loan scenarios side by side.
Compare fixed-rate to ARM under rate shocks.
Itemized estimate of cash needed at closing.
Annual property tax with assessment ratios and exemptions.
Long-run wealth comparison of renting vs owning.
Owning
Refinance, equity, HELOC, payoff.
Monthly savings, break-even, and lifetime impact.
Time and interest saved by paying down faster.
Track equity and the size of a borrowable line.
Available line, draw period, and repayment schedule.
Time-to-payoff and total interest on an open HELOC.
HELOC vs. cash-out vs. home equity loan, by use case.
Consolidate high-rate debt into a single secured loan.
Investing
Cash flow, DSCR, BRRRR, portfolio.
Cap rate, cash-on-cash, and total return on a rental.
Debt service coverage ratio for investment loans.
Year-by-year cash flow, equity, and total return.
Buy, rehab, rent, refinance, repeat, modeled.
Aggregate value, debt, equity, and DSCR across rentals.
Should you sell your home or rent it out instead?