Housing calculators

117 free calculators, each checked against official sources. Nothing you type leaves your browser.

Renting

How much rent can I afford?

Check your rent against the 40× income rule NYC landlords use, and the guarantor 80× rule.

Did my landlord give enough notice of a rent increase?

Find out whether a New York landlord gave the 30, 60 or 90 days’ written notice required for a rent increase of 5% or more or a non-renewal.

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Do I have to pay this broker fee in NYC?

Answer a few questions to see whether the FARE Act puts this broker fee on the landlord, then see what the fee is worth and how to complain.

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Do I qualify for NYC affordable housing lotteries?

See your income as a percent of NYC Area Median Income, which lottery AMI levels you fit, and which unit sizes your household can apply for.

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Do I qualify for the NYC Rent Freeze (SCRIE or DRIE)?

Check the NYC Rent Freeze Program rules for seniors (SCRIE) and people with disabilities (DRIE), estimate your frozen rent and see where to apply.

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How do we split utility bills fairly?

Split electric, gas, internet and other bills by the days each roommate lived there and optional usage weights, then see exactly who pays whom.

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How much can an MCI raise my rent?

Estimate a Major Capital Improvement (MCI) rent increase, the 2% yearly cap on what you pay, and how many years the phase-in takes.

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How much can my rent-stabilized rent go up at renewal?

Your new rent-stabilized rent on a 1- or 2-year renewal, using the Rent Guidelines Board order for your lease start date.

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How much cash do I need to move into an NYC apartment?

Add up first month’s rent, the security deposit, screening fee, any broker or guarantor fee and moving costs, with flags for anything above the legal limits.

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How much does my guarantor need to earn?

Check whether a guarantor meets the 80x rent rule, the highest rent they cover, and your own 40x test.

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How much is my rent going up?

Turn a rent increase into a percent and dollars, check it against verified state caps and notice rules, and see what it adds up to over several years.

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How much prorated rent do I owe for a partial month?

Partial-month rent for a mid-month move-in or move-out, compared across the three common proration methods.

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How much rent will I pay with a Section 8 voucher in NYC?

Estimate your share of the rent, the voucher payment and the 40% affordability test using NYCHA or HPD payment standards and utility allowances.

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How much will it cost to break my NYC lease?

Estimate best, expected and worst-case costs of leaving a New York lease early, including legal early-exit rights for seniors, survivors and servicemembers.

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How should roommates split rent fairly?

Split rent and utilities by room size, private bath, closet and light, by income, or equally, with a copy-ready summary.

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Is my apartment legally too cold?

Check an indoor reading against NYC heat and hot water minimums, pull the Central Park temperature, and keep an evidence log.

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Is my late rent fee legal in New York?

Check a late rent fee against New York’s 5-day grace period and the $50 or 5% cap, and see how much you were overcharged.

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Is my NYC apartment likely rent stabilized?

Answer seven quick questions about your building and lease to see how likely your NYC apartment is to be rent stabilized.

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Is my rent increase too high under Good Cause Eviction?

Check whether your NYC apartment is likely covered by Good Cause Eviction and whether a rent increase is above the 8.38% local rent standard.

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Is my security deposit legal, and what am I owed back?

Check the one-month cap, interest owed, the 14-day return deadline and lawful deductions, then copy a demand letter.

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Is this NYC rental application fee legal?

Check each upfront fee a landlord or agent wants against New York’s $20 background-check cap, the one-month deposit limit and the FARE Act.

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Was I overcharged on my rent-stabilized apartment?

Walk your leases forward from the base-date legal rent to estimate any overcharge in the six-year lookback, and what treble damages could add.

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What happens to my preferential rent at renewal?

See your new preferential rent, the new legal rent and your discount at renewal, plus a five-year projection.

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What is the net effective rent on this NYC listing?

Turn a gross rent and free months into the net effective rent, or work back from an advertised net price to the rent you will really pay.

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Buying

Mortgage calculator

Monthly payment with principal, interest, property tax, insurance and common charges.

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Should I rent or buy?

Compare the true cost of owning against renting over the years you plan to stay.

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NYC closing cost calculator

Estimate the mansion tax, mortgage recording tax and transfer taxes on a NYC purchase.

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15-year vs 30-year mortgage

Compare the monthly payment, total interest and balance over time of a 15-year and a 30-year mortgage, and test investing the difference.

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ARM or fixed-rate mortgage: which costs less?

Compare an adjustable-rate mortgage with a fixed-rate loan using your own caps, margin and index path, including the worst case.

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Do I qualify for NYC HomeFirst down payment help?

Check NYC HomeFirst rules (120% AMI, first-time buyer, price limits, 3% own funds) and estimate your forgivable loan and cash gap.

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FHA loan calculator

Monthly FHA payment with the 1.75% upfront premium, HUD’s annual MIP rate, taxes, insurance and HOA, plus how long MIP lasts.

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How long will it take to save for a down payment?

See how many months until you can cover a down payment and closing costs, or how much to save each month to buy by a date.

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How much are closing costs?

Itemize buyer closing costs by Loan Estimate section, with prepaid interest, escrow deposit, credits and your cash to close.

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How much does a 2-1 buydown cost and save?

Cost and year-by-year savings of a 3-2-1, 2-1, 1-0 or custom temporary buydown, plus a seller concession limit check.

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How much house can I afford?

Find the highest home price your income supports under the 28/36 rule of thumb and Fannie Mae’s 36%, 45% and 50% debt-to-income limits.

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How much is PMI, and when does it go away?

Estimate monthly private mortgage insurance and the dates you can cancel it at 80% or it ends automatically at 78%.

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How much NY mansion tax will I owe?

The buyer-paid New York mansion tax and NYC supplemental tax on a home purchase, with the price cliffs at each bracket.

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How much NYC mortgage recording tax will I pay?

NYC and NYS mortgage recording tax by loan size and property type, with CEMA savings and the $500,000 rate cliff.

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Is assuming a mortgage worth it?

See the monthly savings from taking over a seller’s low-rate FHA, VA or USDA loan, including the second loan or cash you need to cover the gap.

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Is my loan conforming or jumbo?

Check your loan against the 2026 FHFA conforming loan limits for 1–4 units, including NYC metro, and see the down payment needed to stay conforming.

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Mortgage amortization schedule

See every payment split into principal and interest, your payoff date, and how extra payments shorten the loan. Download it as CSV.

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Should I buy mortgage points?

Compare up to three point or lender-credit quotes: upfront cost, monthly savings, simple and true break-even, and net savings by year.

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USDA loan calculator

Monthly USDA payment with the 1% upfront guarantee fee, the 0.35% annual fee by year, property tax and insurance.

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VA loan calculator

Monthly VA loan payment with the current VA funding fee for purchases, cash-out refinances and IRRRLs, including exemptions.

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What is my debt-to-income ratio?

Add your income and monthly debts to get your front-end and back-end DTI, see how it compares with Fannie Mae limits, and how much to pay down to qualify.

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Which mortgage offer is cheaper?

Compare two or three Loan Estimates by total cost over the years you expect to keep the loan, and see when the cheapest offer flips.

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Will I pass the NYC co-op board financials?

Check your debt-to-income ratio, post-closing liquidity and down payment against strict, typical and lenient co-op boards.

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Selling

Do I owe capital gains tax when I sell my home?

Apply the $250,000/$500,000 home sale exclusion, partial exclusions, depreciation and nonqualified use, then estimate 2026 federal tax.

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How are property taxes prorated at closing?

Split the year’s property tax between buyer and seller by closing date, and see who credits whom.

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How much can a seller pay toward my closing costs?

The most a seller can credit you under Fannie Mae, FHA and USDA rules, and whether your request fits.

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How much flip tax will I pay selling my NYC co-op?

Work out a co-op flip tax under any method: percent of price, percent of profit, dollars per share or a flat fee.

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How much is the real estate commission?

Total commission, each side, who pays and agent take-home after the brokerage split, for percent, tiered or flat fees.

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How much NY estimated tax is due when a nonresident sells NYC property?

The Form IT-2663 / IT-2664 estimated tax a nonresident pays at closing: gain × 10.9% for 2026, and what you may get back.

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How much tax will I owe on the profit from selling my NYC home?

Federal, NIIT, New York State and NYC tax on a home sale after the $250,000/$500,000 Section 121 exclusion.

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How much transfer tax does a seller pay in NYC?

NYC RPTT plus New York State transfer tax for homes and other property, with the $500,000 and $2M/$3M cliffs.

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How much will I walk away with after selling in NYC?

Net cash from selling an NYC condo, co-op or house after transfer taxes, commission, flip tax, fees and your mortgage payoff.

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How much will I walk away with when I sell my house?

Seller net sheet: sale price minus mortgage payoff, commissions, transfer tax, concessions and fees, with a price sensitivity table.

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Owning

NYC

Do I qualify for STAR in NYC, and how much is it?

Check Basic and Enhanced STAR eligibility for an NYC home and see the latest NYC savings amounts for the credit and the exemption.

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Do I qualify for the NYC senior or disabled homeowner tax exemption?

Check eligibility for NYC SCHE or DHE, find your exemption percentage from the income bands, and estimate your yearly property tax savings.

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HELOC payment calculator

Estimate HELOC payments in the draw period and after repayment starts, the payment jump, total interest and your maximum line.

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How is my mortgage escrow payment calculated?

Run your own escrow analysis: new monthly escrow payment, the cushion your servicer can hold, and any shortage or surplus.

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How much are property taxes on an NYC home?

Estimate an NYC property tax bill from market value, tax class, assessment caps, exemptions and abatements.

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How much cash can I get from a cash-out refinance?

Maximum cash out under Fannie Mae, FHA or VA loan-to-value limits, with the new loan amount, payment change and total interest.

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How much do extra mortgage payments save?

See your new payoff date and interest saved from extra monthly, yearly, lump-sum or biweekly mortgage payments.

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How much does an appliance cost to run?

Monthly and yearly electricity cost for up to three appliances, plus how fast a more efficient model pays for itself.

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How much does the NYC co-op/condo tax abatement save?

Estimate your NYC co-op or condo property tax abatement from the building’s average unit assessed value, and check the eligibility rules.

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How much equity do I have in my home?

See your home equity in dollars and percent, your LTV and CLTV, how much you could borrow, and equity after selling costs.

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How much homeowners insurance coverage do I need?

Size dwelling, other structures, personal property and loss-of-use coverage, and test whether a higher deductible pays off.

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How much interest will I owe on late NYC property taxes?

Estimate the daily-compounded interest NYC charges on a late property tax installment, with grace period and lien sale checks.

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How much of my co-op maintenance is tax deductible?

Turn your co-op’s annual tax letter into deductible real estate tax and mortgage interest, then see if itemizing beats the 2026 standard deduction.

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How much should I budget for home maintenance?

Compare the 1% and $1-per-square-foot rules of thumb with a sinking-fund plan for your roof, HVAC, water heater and appliances.

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How much will my NYC water and sewer bill be?

Estimate a DEP water and sewer bill from household size or gallons used, at the FY2026 or FY2027 Water Board rates, and see what a leak costs.

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How much will my property tax be?

Turn market value, assessment ratio, exemptions and a mill, percent or per-$100 rate into an annual and monthly property tax bill.

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How much would a mortgage recast lower my payment?

See your new monthly payment after a lump-sum recast, and compare it with prepaying without a recast or refinancing.

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Should I rent out my house or sell it?

Compare selling now with keeping your home as a rental, including cash flow, depreciation recapture and the 3-year Section 121 deadline.

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When does refinancing pay off?

Find the month a refinance earns back its closing costs, counting both payment savings and how fast each loan is paid down.

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When does this building's 421-a or J-51 benefit end, and how much will taxes rise?

Project the year-by-year phase-out of a 421-a or J-51 exemption and see how much your building or unit taxes rise until they reach full value.

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Landlords

1031 exchange deadlines: 45 and 180 days

Get your 45-day identification and exchange deadlines with a calendar file, and estimate boot, taxable gain, deferred gain and your new basis.

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BRRRR calculator

Model a buy-rehab-rent-refinance deal: cash in, cash back at the refinance, cash left in the deal and cash flow on the new loan.

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Cap rate calculator

Find a rental property’s cap rate, the value implied by a target cap rate, or the NOI a price needs, with a sensitivity table.

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Cash-on-cash return calculator

See the yearly cash return on the money you actually put into a rental, compare it with buying all cash, and test rent and rate changes.

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Does this applicant meet the income requirement?

Check one or more applicants against 2.5x, 3x, 30% and 40x rent standards, plus the income a guarantor needs.

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Does this rental pass the 1% rule?

Check a rental’s rent-to-price ratio against the 1% rule, see the rent you’d need or the most you could pay, and get a 50% rule cash flow estimate.

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DSCR calculator for rental property loans

Debt service coverage ratio for a rental, the largest loan the rent supports, and the rent needed to hit a lender target.

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Gross rent multiplier (GRM) calculator

Find a rental property’s GRM, the value a GRM implies, or the rent a price needs, and compare against up to five comparable sales.

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How much can an apartment renovation (IAI) add to a stabilized rent?

Work out the legal IAI rent increase for a rent-stabilized NYC apartment under the 2024 two-tier rules or the 2019–2024 rules.

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How much could my building be fined under Local Law 97?

Estimate a building's Local Law 97 carbon emissions, its limit for 2024–2029 and 2030–2034, the $268-per-ton penalty and the cost per apartment.

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How much depreciation can I deduct on my rental?

Work out your depreciable basis, first-year and yearly depreciation, and a full 27.5-year schedule with improvements, checked against IRS Table A-6.

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How much depreciation recapture tax will I owe?

Federal tax on selling a rental: the 25%-capped depreciation portion, capital gain at 0/15/20%, and the 3.8% NIIT.

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Security deposit return calculator and tracker

Itemize deductions, add interest, see the refund and the legal return deadline, check the deposit cap, and print an itemized statement.

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What occupancy does my rental need to break even?

Break-even ratio, vacant days each unit can absorb, and how a higher interest rate changes the occupancy you need.

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What year is my building's Local Law 87 energy audit due?

Enter the tax block and building size to see if Local Law 87 applies, which year the Energy Efficiency Report is due, and the fees and penalties.

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When is my building's facade (FISP / Local Law 11) inspection due?

Find your Cycle 10 FISP sub-cycle and filing window from your tax block number, what your last status means, and the penalties for filing late.

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When is my building's Local Law 152 gas piping inspection due?

Find your building’s Local Law 152 gas piping inspection year from its community district, plus filing deadlines, fees and the penalty for missing it.

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Which NYC landlord filings and notices are due this year?

Answer a few questions about your building and get a dated list of HPD, DHCR and DOB filings and tenant notices, with a source for each and a calendar export.

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Will this house flip make money?

Flip profit, ROI and annualized ROI after rehab, loan, holding and selling costs, plus the 70% rule max offer.

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Will this rental property cash flow?

Monthly and yearly cash flow, NOI, cap rate, cash-on-cash return and DSCR for a rental, with a 5-year projection.

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Moving

How many moving boxes do I need?

Estimate small, medium, large, wardrobe and dish-pack boxes room by room, plus tape and packing paper, with an editable per-room table and a packing-order checklist.

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How much does it cost to move in NYC?

Estimate an hourly NYC move from your apartment size, crew, walk-up floors, drive time and building fees, with a low-to-high range.

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How much will my move cost?

Compare hiring local movers by the hour, long-distance movers by weight and a DIY truck, using your own quotes, with the federal 110% rule built in.

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Is a storage unit cheaper than a bigger NYC apartment?

Size a storage unit from your list of things, then compare its full cost with the extra rent for a bigger apartment.

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Money

NYC

Can NYC renters get a property tax credit?

Check whether you qualify for New York’s real property tax credit for renters (Form IT-214), see what happened to NYC-208, and find the NYC school tax credit.

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How big should a homeowner's emergency fund be?

Size an emergency fund that covers months of essential bills, your insurance deductible and a major home repair.

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How much does it cost to live in each NYC borough?

Compare rent by bedroom count, transit and car costs across Manhattan, Brooklyn, Queens, the Bronx and Staten Island using Census data.

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How much rent can I afford after NYC taxes?

Turn a salary into NYC take-home pay after federal, FICA, NY State, NYC, Paid Family Leave and SDI, then compare three rent targets including the 40x rule.

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How much will the mortgage interest deduction save me?

Your real 2026 federal tax savings from mortgage interest, after the $750,000 loan limit, the SALT cap and the standard deduction.

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Is cheaper rent worth a longer commute in NYC?

Compare two apartments by rent, 2026 transit fares and the value of your commute time to see which really costs less.

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Should I pay off my mortgage early or invest?

Compare net worth from putting extra cash toward your mortgage versus investing it, and find the break-even return.

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