Home Buying & Moving Toolkit: mortgage, affordability & cost-of-living calculator
Everything you need to evaluate a home purchase or relocation — mortgage math, affordability, rent-vs-buy comparisons, cost of living across 935+ U.S. cities, and a moving checklist. No sign-in, no subscription.
Every calculator you need before you buy or move
Built for prospective homebuyers, renters weighing a purchase, and anyone planning a relocation.
Mortgage calculator
Estimate monthly payments with a full amortization schedule showing principal and interest over time.
Learn more →Affordability calculator
Find out what you can afford based on income and debt-to-income ratios.
Learn more →Rent vs. buy analyzer
Compare renting and buying with a year-by-year cost breakdown to see which makes sense for your timeline.
Learn more →Extra payment calculator
See how additional mortgage payments reduce your loan term and total interest paid.
Learn more →Cost of living, 935+ cities
Compare housing, utilities, and general living costs across more than 935 U.S. cities.
Learn more →Utility cost estimator
Estimate monthly utility costs by region and home size before you commit to a new address.
Learn more →Smart moving checklist
Follow an 8-week moving timeline so nothing falls through the cracks.
Learn more →Offline & shareable
All calculators work offline, and you can save and share your scenarios with others.
Frequently asked questions
Is the Home Buying & Moving Toolkit free?
Yes. The app is free to download and use, and includes ads. An optional one-time "Remove Ads" in-app purchase is available.
Does the app work offline?
Yes. All calculators and the cost-of-living database work offline, so you can use them without an internet connection.
How many cities are covered in the cost-of-living comparison?
The app includes cost-of-living data for more than 935 U.S. cities, covering housing, utilities, and general living costs.
What platforms does the app support?
iPhone (iOS 18.6+), iPad (iPadOS 18.6+), Mac with Apple silicon (macOS 11.0+), and Apple Vision Pro (visionOS 2.6+).
Get the Home Buying & Moving Toolkit
Free download for iPhone, iPad, Mac, and Vision Pro.
Need a place to keep your notes organized?
Clarity Edit is a privacy-first Markdown, notes, and code editor for Mac — great for tracking research while you house-hunt.