Four calculators. Every scenario covered.
Whether you're buying your first home, house hacking, or analysing an investment property — we have the calculator for you.
First home buyer? Here's the recommended path:
Step 1: Use the Scenario Explorer to compare property types and find your strategy. Step 2: It hands you straight into the Full Affordability Calculator — pre-filled, no re-entry needed.
Scenario Explorer
Step 1 — Compare 4 property types side by side before you commit
- Single-family, duplex, triplex & ADU
- House hacking scenarios included
- Live FRED mortgage rates
- VA, FHA & conventional paths
- Personalised recommendation
- Hands off to Full Calculator →
Full Affordability Calculator
Step 2 — Know your exact buying power before you talk to a bank
- Dual-applicant support
- Freddie Mac 4 Cs strength score
- Bank-ready printable report
- Closing cost estimator (all 50 states)
- Rent vs. buy analysis
- Credit score improvement roadmap
House Hack Analyser
Find out if your next home can pay for itself
- Multi-unit income breakdown
- Net cash flow after expenses
- ROI and cap rate calculation
- Mortgage offset analysis
- Vacancy and maintenance buffers
- 10-year equity projection
Why use these calculators?
Built by the team behind the FFSJTMWTD property book series — the same no-nonsense approach, applied to numbers.
No fluff, no upsell walls
Every calculator is 100% free. No email gate, no paywalled results. Just real numbers.
Real-time mortgage rates
Rates pulled live from the St. Louis Fed FRED API — not a number someone typed in last year.
Bank-ready reports
Generate a printable PDF report formatted for mortgage brokers and lenders.
Results in under 2 minutes
Designed for speed. Fill in what you know, get a clear picture immediately.