Financial Calculators
Use our comprehensive calculators to make informed real estate decisions and understand your financial options.
Rent vs Buy Comparison
Purchase Details
Rental & Market
Buying
- Monthly cost --
- Total cost --
- Equity built --
- Net cost --
Renting
- Monthly cost --
- Total rent --
- Difference --
- Which is cheaper --
A straight comparison of what leaves your account, over the years you expect to stay. It does not try to guess what the house will be worth or what tax you might save.
Home Affordability Calculator
Calculate how much house you can afford based on your income
- Most you could pay for a home --
- Monthly payment that assumes --
- Debt-to-income ratio --
- Front-end ratio --
An estimate, using the conventional rule that no more than 36% of income before tax goes on debt. Debt-to-income should be 43% or under for most conventional loans, and housing costs 28% or under of income before tax. A lender will use their own figures, and yours may differ.
Total Cost of Ownership
Monthly Cost Breakdown
- Principal & interest --
- Property tax --
- Insurance --
- HOA fees --
- Maintenance --
- Utilities --
- Every month --
- Total over that time --
- Cost per square foot, per year --
Payments, tax, insurance and upkeep over the years you expect to stay, plus the deposit. It does not include what you would get back when you sell.
Estimate Your Payment
- Monthly payment --
- Loan and interest --
- Property tax --
An estimate of loan, interest, property tax and insurance. It does not include HOA fees or mortgage insurance, which your lender will add.
Understanding the Ratios:
Debt-to-Income (DTI): Should be ≤ 43% for most conventional loans
Front-End Ratio: Housing costs should be ≤ 28% of gross income
Why Buy?
Build equity with every payment
Potential tax deductions
Freedom to customize your home
Stability of housing costs (with fixed rate)
Long-term investment and wealth building
Why Rent?
Flexibility to move easily
Minimal maintenance responsibility
No property taxes or HOA fees directly
Lower upfront costs
Predictable monthly expenses
Ready to Take the Next Step?
Run the numbers, then let me help you act on them.