Major decisions

True Cost of Homeownership

Most "afford a home" calculators stop at PITI. We add the CapEx reserve for the things that will break — roof, HVAC, water heater, appliances — so the number you see is the number you'll actually pay.

Build your number

Edit any field — the all-in monthly cost recomputes instantly.

Loan & carrying costs

Purchase price

Down payment

Interest rate

Term Property tax (annual)

— Insurance (annual)

— HOA / condo fees (monthly)

Other monthly upkeep

CapEx reserve — the stuff that will break

Each system has a typical replacement cycle. We divide replacement cost by years of life to estimate a fair monthly reserve.

True monthly cost

All-in monthly

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Mortgage + taxes + insurance + PMI + HOA + upkeep + CapEx

Principal & interest

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Property tax

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Insurance

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PMI

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CapEx reserve

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Sum of monthly reserves across all 7 CapEx systems

10-year replacement calendar

Approximate years until each system needs replacement, based on current age you set in the CapEx panel.

Keep going

Mortgage Analyzer

Compare rates, refinance break-even, extra-payment impact.

Mortgage tools→

Emergency Fund

Right-size your buffer — a CapEx surprise is exactly what it's for.

Sleep-better math→