The numbers worth running before you sign

The Real Cost of Moving Up

Your rate is in the threes and the next house costs double. See what the increase actually is once debts you’d clear and the tax change are counted.

• Walks from sale proceeds through to the true monthly difference
• Counts debts cleared at closing and what that costs in down payment
• Includes Prop 19 if you’re 55 or older

Rent vs Own

Not which payment is smaller — where you actually end up. Runs both paths from the same cash and compares net worth.

• Counts what the down payment would have earned invested
• Uses Prop 13 assessed value, not market value, for tax
• Finds the year owning pulls ahead — if it does

Rent vs Own — Complete Report

A guided intake that builds a shareable report — net worth, equity, and tax savings — that you keep adjusting live.

• Net-worth-over-time, equity build, and tax-savings charts
• What-if levers: refinance, extra principal, biweekly payments
• Save a PDF or share a link that reopens the exact scenario

Move Up — Complete Report

Your payment goes up when you move up — your real cost may not. A guided intake builds the whole picture, live.

• The real monthly difference after debts cleared & tax savings
• Net worth over time: moving up vs staying put, plus Prop 19
• Save a PDF or share a link that reopens the exact scenario

Sale Proceeds

What actually lands in your account after commission, transfer taxes, escrow and the payoff — not the sale price.

• Every line on the settlement statement, not just commission
• California city transfer taxes, including the LA thresholds
• Optional capital gains estimate with the $250k/$500k exclusion

Self-Employed Buying Power

Bank statement math instead of tax returns. See what your business income could actually qualify for.

• Adjustable expense ratio — as low as 15% for solo service businesses
• Add a co-borrower's W-2 or other income
• Shows your qualifying income, budget, and loan amount

Homeowner Tax Savings

Mortgage interest and property taxes are deductible — but only above the standard deduction. This does that math honestly.

• Built on verified 2026 federal figures
• Handles the $40,400 SALT cap and $750,000 interest limit
• Tells you plainly when the answer is zero

Temporary Buydown Calculator

A 1-0, 2-1, or 3-2-1 buydown lowers your rate for the first years, then it steps back up. See the payments and what it costs.

• Compare 1-0, 2-1, and 3-2-1 structures
• Year-by-year rate, payment, and monthly savings
• Total buydown cost — often seller or lender paid

Price Cut vs. Rate Buydown

A stale listing has two levers. See why the same money moves a buyer’s payment far more as a rate buydown than as a price cut — and keeps your sale price on the comps.

• Same seller cost, both ways, side by side
• Year-one payment relief a price cut can’t match
• Protects the recorded sale price and the neighborhood comp

The Cost of Waiting

Prices don’t pause while you decide. See what a year of waiting adds to the price, the down payment and the monthly payment — and the equity you don’t build in the meantime.

• Set your own appreciation rate (4% to start)
• Higher price, down payment and payment, side by side
• The equity a year of owning would have built

Invested vs. a Home

Would the down payment do better in the market or in a home? Because a mortgage leverages the whole house, appreciation compounds on the full price — see the net-worth difference over time.

• Set your own appreciation and market-return rates
• Net home equity after selling costs vs invested balance
• The real return on your down payment — with leverage

Early Payoff Calculator

See what an extra $100 or $500 a month really does to a 30-year loan. The answer surprises most people.

• Interest saved and years knocked off the term
• Add a one-time lump sum
• Compare 30, 20, and 15-year terms

Home Equity Calculator

See how much of your home's equity you could tap — and what the payment looks like — up to 90% combined loan-to-value.

• Enter your value and current balance
• Borrow slider with live monthly payment
• Choose a 10, 15, 20, or 30-year term

Blended Rate Calculator

See whether a second mortgage or a cash-out refinance costs less — and what folding in other debt does to your blended rate.

• Compares both options side by side
• Add cards, a HELOC, auto, personal or student loans
• Shows your true blended rate across all debt

Prop 19 Tax Transfer

Move anywhere in California and take your Prop 13 tax base with you. Most homeowners don’t know this exists.

• Full explainer plus a savings calculator
• Handles buying up, with the correct thresholds
• Shows 10-year savings, not just year one

Refinance Break-Even

Closing costs come first. See how many months until a refinance pays for itself — and whether it saves money over the full term.

• Break-even in months, not vague advice
• Compares 30, 20, 15-year or matching your term
• Flags when a lower payment costs more interest

HELOC Refinance

A HELOC rate moves whenever the market does, and an interest-only one never pays anything down. See what a fixed second would cost instead.

• Leaves your low-rate first mortgage alone
• Shows cash available up to 90% combined loan-to-value
• Compares the blended rate across both loans

DSCR Calculator

Qualify a rental on its own cash flow instead of your tax returns. See the ratio and whether it clears the usual thresholds.

• Full PITIA breakdown, not just principal and interest
• Shows the rent needed to hit 1.00 and 1.25
• Explains what DSCR lenders still check