Finance tools built for the modern home

Mortgage Payment

Monthly P&I, full payment estimate, and amortization summary for homeowners.

Home Affordability

Estimate max monthly housing payment and home price from DTI and income constraints.

Rent vs Buy

Compare renting and buying outcomes at 5 and 10 years with equity and breakeven horizon.

Refinance Break-Even

Compare current vs new mortgage payment and estimate break-even timing.

HELOC vs Cash-Out Refi

Compare monthly payment and interest tradeoffs between HELOC and cash-out refinance.

HELOC Payment

Estimate HELOC monthly payment during draw and repayment with interest-only or amortized draw options.

Cash-Out Refi

Estimate new loan amount, monthly P&I, net cash received, and 5-year refinance cost impact.

Solar ROI

Estimate solar net cost, year-1 savings, payback timing, and horizon savings under utility-rate assumptions.

Mortgage Points

Compare no-points vs points scenarios with monthly savings, break-even timing, and horizon net savings.

PMI Drop-Off

Estimate PMI cancellation timing, total PMI paid, and payment impact with optional extra principal.

Maintenance Budget

Estimate low/base/high annual and monthly maintenance budgets from home value, age, and risk profile.

Tax Appeal Savings

Estimate annual property tax savings and appeal-cost payback if assessed value is reduced.

Energy Provider Compare

Compare two energy plans with monthly kWh, per-kWh rates, fixed fees, and annual savings estimate.

Water Usage Cost

Estimate water bill from monthly gallons, per-1,000-gallon rate, and fixed fees with usage sensitivity.

how much house can i afford with my salary

How Much House Can I Afford?

Use income, debt, rate, and ownership cost assumptions to estimate a realistic home-price ceiling.

what is included in monthly mortgage payment

Monthly Mortgage Payment Breakdown

Break down monthly mortgage costs into principal, interest, taxes, insurance, and HOA before you buy.

when should i refinance my mortgage

When Does Refinancing Make Sense?

Compare current loan vs proposed refinance and find the break-even timeline for closing costs.

heloc vs cash out refinance which is better

HELOC vs Cash-Out Refi: What Changes the Cost?

Compare HELOC and cash-out refinance structures, payments, and break-even dynamics using shared assumptions.

are mortgage points worth it

Should You Buy Mortgage Points?

Estimate whether buying points can recover upfront cost within your expected ownership horizon.

when does pmi go away

When Does PMI Drop Off?

Estimate PMI drop-off timing and total PMI paid with optional extra principal assumptions.