Home Affordability & Full Housing Cost Calculator
Estimate a home price from income, debts, down payment, rate, taxes, insurance, HOA, PMI, and maintenance — not principal and interest alone.
All calculators
Every calculator on the site, grouped by the decision it answers. Each one shows its formula, lets you replace the example numbers with your own, and states what it deliberately leaves out.
For an electricity-use estimate, try the new appliance running-cost calculator with an editable wattage, hours, rate, and source-backed appliance list.
Housing & affordability
Housing decisions are decided by the holding period, not the monthly payment. These calculators and guides put buying costs, selling costs, rent, and the opportunity cost of your down payment on the same timeline.
Mortgage Payoff & Extra Payment Calculator
Compare your original amortization schedule against monthly extra payments and lump sums, including interest saved and months shaved off the term.
Rent vs Buy Calculator
Weigh mortgage, appreciation, and invested down payment against renting.
Debt & credit
A lower monthly payment and a lower cost are different things. These pages recover the annualised cost hidden inside instalment plans, card fees, and refinancing offers, and show the debt-to-income ratio lenders actually read.
Cashback Break-even Calculator
Check whether an annual-fee card beats a no-fee 1% card at your spending level.
Credit Card Payoff & Interest Calculator
Estimate payoff time and total interest for a fixed payment or a target payoff date, including promotional APR expiry and new monthly charges.
Debt Snowball vs Avalanche Calculator
Compare payoff order, total interest, and debt-free date for snowball, avalanche, and custom strategies across multiple debts.
Debt-to-Income (DTI) Ratio Calculator
Calculate front-end and back-end debt-to-income ratios, compare against FHA/VA/conventional benchmarks, and test how paying off one debt changes the result.
Installment True APR Calculator
See the real interest rate hiding behind "0%" installment and BNPL plans.
Transportation & ownership cost
A vehicle costs more than its purchase price and a commute costs more than fuel. These pages rebuild total cost of ownership from energy, depreciation, insurance, maintenance, and the hours the trip takes.
Car Affordability & Total Monthly Cost Calculator
Estimate an affordable vehicle price from take-home income after insurance, fuel or charging, maintenance, and a target transport-budget cap.
Commute Cost Calculator
Compare car, transit, rideshare, and bike costs per month, including your time.
Cost Per Mile Calculator
Calculate total car cost per mile, including energy, depreciation, insurance, maintenance, and fees.
EV vs Gas Car TCO Calculator
Compare total cost of ownership - purchase, energy, maintenance - and the break-even year.
Everyday break-even
Most everyday money questions are one break-even away from an answer: how many uses, how many wears, how many cycles. These pages find the threshold and state what would move it.
Latte Factor Calculator
What a daily habit really costs per year, and what it could grow to if invested.
Subscriptions & memberships
A membership is a fixed cost buying a variable benefit, so the answer depends on your usage, not on the headline discount. These pages find the eligible spend or visit count where the fee breaks even.
Costco Membership Calculator
Find the monthly spend where a Gold Star or Executive membership pays for itself.
Subscription Audit Calculator
Add up every subscription and see what you really pay per month, year, and 5 years.
Income, savings & growth
Income and savings questions turn on definitions: which denominator, which period, which index. These pages fix the definition first, then run the arithmetic you can reproduce.
Compound Growth & Savings Goal Calculator
Project contributions, fees, and inflation against a savings target, or solve for the monthly contribution needed to reach that target.
Hourly, Monthly & Annual Salary Converter
Convert hourly and annual gross pay using real workweeks, unpaid leave, overtime, and bonuses, so two job offers can be compared on the same basis.
Personal Monthly Budget Builder
Normalize weekly, monthly, and annual income and bills into one monthly plan built on your income floor, then compare categories and cash flow.