Free Financial Calculators
Make smarter renting and housing decisions with these free financial calculators. Check your debt-to-income ratio to see if you qualify for an apartment, find out how much rent you can actually afford, compare the true cost of renting vs buying, reveal hidden apartment expenses, estimate move-in costs, analyze lease break penalties, compare renters insurance options, calculate net effective rent with concessions, and build a 50/30/20 budget. Every tool gives you instant, shareable results.
DTI Calculator
Most landlords reject you above 40% DTI. Calculate your debt-to-income ratio, see max affordable rent at 36% and 43% thresholds, and know where you stand.
Affordability
The 30% rule says you can afford $1,500/mo on a $60K salary. Factor in student loans and your real number drops to $1,100. Get your actual budget.
Rent vs Buy
At 7% mortgage rates, buying isn't automatically smarter than renting. Compare true costs over 1-30 years including equity, taxes, maintenance, and opportunity cost.
True Cost
That $1,500/mo apartment actually costs $2,200 when you add utilities, parking, commute, laundry, and fees. See the real number before you sign a lease.
Move-In Costs
First month, last month, security deposit, broker fee — moving into a $1,500/mo apartment can cost $6,000+ upfront. See your real total before you sign.
Break Lease
Breaking a $2,000/mo lease can cost $4,000-8,000 in penalties and lost deposits. Calculate your total hit and compare to subletting or staying.
Renters Insurance
Renters insurance runs $15-30/mo for $30K in coverage. Estimate your premium, compare individual vs. joint roommate policies, and find the smarter option.
Net Effective Rent
A $3,000/mo apartment with 2 months free actually costs $2,500/mo. Convert any concession package into the real monthly cost and compare up to 10 apartments.
50/30/20 Budget
On a $4,500/mo take-home, the 50/30/20 rule gives you $2,250 for needs, $1,350 for wants, and $900 for savings. See your exact breakdown — adjusted for rent.
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