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Your tools

See the real number before you sign.

Every tool runs on numbers you enter — nothing pulled, nothing sold.

Every number you've entered, in one place — turn on renting, owning, or a change and see where you stand.

Start here

Where are you right now?

Renting, owning, or in transition — set up your picture.

Cash flow & bills

Income, bills, and what's left over.

Renting

Saving for a home

Watch your down payment day get closer.

Is this rent sustainable?

Your rent against the 30% guideline.

What it costs to move in

Deposit, fees, and how fast to save it.

Stay or move at renewal?

The increase vs. moving, first-year math.

Split with roommates

Fairly — and does your share fit?

Owning a home

Build your equity

Watch what's yours grow, and when PMI can drop.

Refinance — the real cost

True total cost of both paths, side by side.

Where you stand — no offers, ever.

Maintenance reserve

A cushion for when, not if.

Pay extra on the mortgage?

Where the extra dollar works hardest.

What you walk away with

Your real number when you sell.

Cash, loan, or HELOC?

Pay for a big project, no lender pitch.

Good to know

Homeowners insurance

What to check, in plain terms.

The part that isn't your loan.

Title & deed fraud

The scam that targets your home.

Everyday money

List everything you owe and watch what you save.

Credit card debt

Which to pay first, and the fastest way out.

True cost of a purchase

The sticker price is never the real price.