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Every calculator on the site, grouped by what you're doing. All are free; only saving your own apartments needs an account. How our calculators work: the formulas, every default and what each leaves out.

Renting

Before you apply, and while you compare apartments.

  • Rent you qualify for

    The most rent your income, or your roommates', allows under the 40x rule, and whether you'd need a guarantor.

    Available now, no account needed
  • Housing lottery income bands

    Your household size and income against HPD's 2026 AMI chart, and which Housing Connect income bands you're under.

    Available now, no account needed
  • Net effective rent

    Turn a listing's net effective rent into the rent on the lease, and see the cash to move in.

    Available now, no account needed
  • Check a building

    Links to a building's official records (violations, permits, rent-stabilised lists, flood maps) before you apply.

    Available now, no account needed
  • Renew or move?

    Your renewal offer against apartments you could move to, moving costs included. Add your lease end and offer date to check the notice you got.

    Available now, no account needed
  • Does Good Cause cover you?

    A few questions on whether New York's Good Cause Eviction law likely covers your apartment, and the most your rent can rise this year.

    Available now, no account needed
  • Rent Freeze Program check

    Whether you may qualify for NYC's Rent Freeze Program (SCRIE or DRIE): age or disability, income, rent and apartment type, and how to apply.

    Available now, no account needed
  • Heat, hot water and repairs

    Whether your apartment meets the legal heat and hot water minimums, how to get repairs through your landlord, 311 and HPD, and a repair-request letter to print.

    Available now, no account needed
  • Move-in inspection checklist

    A room-by-room move-in or move-out checklist to print and sign with your landlord, to protect your security deposit.

    Available now, no account needed
  • Stabilised rent history check

    Enter the leases from your HCR rent history to see each renewal's increase against that year's Rent Guidelines Board order.

    Available now, no account needed
  • Compare apartments

    Each apartment's true monthly cost and the cash to move in, ranked by what matters to you.

    Try now with sample apartments
  • Rent or buy?

    When buying overtakes renting, for your rent and a price, over the years you'd stay.

    Available now, no account needed

Buying

From what you can afford to the loan and the cash on closing day.

  • What can I afford?

    The price your income, debts and cash support, with closing costs and co-op board tests included.

    Available now, no account needed
  • Co-op board worksheet

    Your liquidity after closing, debt-to-income and net worth for one co-op, against the ranges boards often cite.

    Available now, no account needed
  • Cash to buy

    Your down payment plus every closing cost, itemised with who pays and its source.

    Available now, no account needed
  • Mansion tax

    The tax a buyer pays on a home of $1 million or more, with the NYC brackets.

    Available now, no account needed
  • Mortgage recording tax

    What you pay to record a mortgage in New York City or Suffolk County.

    Available now, no account needed
  • Transfer taxes

    New York State and City transfer taxes on a sale, and who pays them.

    Available now, no account needed
  • Peconic Bay tax

    The East End's 2% or 2.5% buyer's tax, town by town.

    Available now, no account needed
  • Title insurance

    Owner's and lender's title insurance premiums at the rates filed with NY DFS, with the simultaneous-issue discount.

    Available now, no account needed
  • Compare mortgages

    Example loans ranked by total cost over the years you'd hold one. Not quotes.

    Example loan profiles
  • Compare Loan Estimates

    Type in up to three Loan Estimates to see which costs least over the years you'll keep it, and when points pay back.

    Available now, no account needed
  • Should I refinance?

    Your mortgage against a new one: the monthly saving, every closing cost including the mortgage recording tax and a CEMA, and when it pays back.

    Available now, no account needed
  • Check your Closing Disclosure

    Compare it with your Loan Estimate and see which fees rose past the legal limits.

    Available now, no account needed
  • Property analysis

    Enter a price and rent to see the cash to buy, the monthly cost or cash flow, and the return.

    Available now, no account needed
  • Compare properties

    Four sample properties side by side under the same assumptions, ranked against your goal.

    Sample properties

Selling

What you'd walk away with, or what renting it out would do instead.

  • Seller net proceeds

    The cash left after transfer taxes, the broker, a co-op's flip tax and paying off the mortgage.

    Available now, no account needed
  • Sell or rent it out?

    Selling now and investing the proceeds, against renting your home out for a few years and selling later, with the federal tax on each estimated.

    Available now, no account needed

Guides and reference

Plain explanations, each rate and rule linked to its source.

  • Guides

    Closing costs, renting fees, the buying timeline, Loan Estimates and more, explained with sources.

    Available now, no account needed
  • Loan programmes

    VA loans, physician mortgages and bank relationship pricing, explained with sources and dates.

    Available now, no account needed
  • International markets

    Six property markets and REITs compared in one format.

    Sample data

Each guide