For first-time home buyers
First-time home buyer toolkit
Buying your first home is a stack of decisions that all lean on each other — the loan you qualify for shapes the price you can bid, the down payment shapes the monthly payment, and the monthly payment vs current rent decides whether the whole thing pencils out. Work through these in order.
- 1
Home Affordability Calculator
Start here. Your income, existing debt, and how much you can put down cap the loan you can get — everything else follows.
Open calculator - 2
Rent vs Buy Calculator
Cheapest sanity check. If renting is cheaper over your realistic time-horizon, none of the rest matters.
Open calculator - 3
Mortgage Payment Calculator
Once you know the price range and down payment, this gives you the monthly principal + interest at today's rates.
Open calculator - 4
Property Appreciation Calculator
Model the resale side. If the neighborhood is appreciating below inflation you're building equity slower than you think.
Open calculator - 5
Compound Interest Calculator
Reality check on the down-payment savings you're building — how long until you actually have 20% down.
Open calculator
Save your progress
Each calculator remembers your last inputs on your device, so you can leave and come back to any of these without losing your numbers. Every step also has a Share this calculation button that copies a link with your inputs baked in — useful for talking things through with a partner or advisor.