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True Affordability Calculator
What you can actually afford — beyond what the lender approves.
- Your comfortable monthly budget
- How lender approval ≠ what you should spend
- Your real price range with full cost picture
Run the numbers
Closing Cost Estimator
The number that shows up three days before closing. Itemized, state-specific, yours before the lender shows it to you.
- Transfer taxes, title fees, and attorney costs by state
- Prepaids and escrow — calculated from your ZIP
- Cash needed at closing, not just closing costs
See my closing costs
Rent vs. Buy Calculator
See what buying and renting actually cost — and what each builds.
- Monthly and total costs, buy vs. rent, side by side
- What each path builds: home equity vs. your own savings plan
- Check if your savings plan is realistic against your income
Run the real math
Home Warranty Risk Calculator
Six quick questions to see where you land on the risk spectrum. Warranty math, honestly.
- Your system ages, your cash reserve, and the real repair costs
- Risk category — Low, Moderate, or High — based on your inputs
- What a major failure actually costs when you finance it
Am I a candidate?
True Cost of Homeownership
Your mortgage payment is not the cost of homeownership. This is.
- Property taxes, insurance, and utilities by ZIP
- Maintenance reserve and CapEx projections
- Year 1 total cost — not just PITI
See the full cost
Refi Break-Even Calculator
A lower rate isn't free. Here's exactly when it pays for itself.
- Your real break-even month — not a lender's rule of thumb
- Monthly savings and the full interest picture, side by side
- An honest "not yet" when today's rate doesn't justify it
Run the break-even
Mortgage Points Calculator
Buying down your rate costs cash today. See exactly what it buys you.
- Works for a new purchase or a refinance — same math
- The exact month points pay for themselves
- Lifetime interest saved, not just the monthly number
Run the points math
Appliance Repair vs. Replace
Clear direction on the smartest path for your wallet.
Go to ApplianceMath.ai →
Not sure where to start?
Most first-time buyers start with the True Affordability Calculator.
Start with affordability