Buying a home — guided flow
A home is usually the biggest payment you'll ever sign up for. Use these calculators in order to stress-test the monthly nut and what it does to your reserves. General education only.
Run rent vs buy at your horizon
How long you stay matters as much as the price. Compare monthly outlay and opportunity cost over the years you realistically expect to hold.
Rent vs buy calculatorStress-test the mortgage payment
Principal, interest, taxes, insurance, PMI, and HOA stack fast. Model the full payment—not just the rate quote on a listing site.
Mortgage calculatorProtect reserves after the down payment
Closing costs and move-in surprises drain cash. Confirm you still have enough months of essentials left in the bank after you wire the down payment.
Emergency fund calculatorSee the impact on net worth
Equity builds slowly early in a loan. Snapshot assets and liabilities so you know how housing fits the rest of your balance sheet.
Net worth calculatorTrack housing costs in one place
Mortgage, utilities, maintenance, and HOA belong in your budget. Tag them in your ledger so the true cost of ownership stays visible month to month.
Paid feature — requires Expense Tracking subscription.
Expense tracker (Pro)
Rates, tax deductions, and local rules vary widely. Use these tools for directional planning—not as a pre-approval or purchase recommendation.