Pricing
The calculators stay free, forever. Guides can be bought one at a time or read in full with All-Access. Templates are always a one-time purchase — a downloaded worksheet is yours to keep, so it isn't something a subscription can take back. No lead forms, no lender routing, no recurring charge unless you choose one.
Membership
One membership: every in-depth guide, plus the Deal Workspace. Templates are sold separately and bought once — see below.
Every in-depth guide across Mortgage, Insurance, Investment, Salary, Rent and Budget, plus the Deal Workspace — our per-property case file for tracking a purchase from pre-approval to closing.
- Every in-depth guide, across every category
- Deal Workspace — per-property case file, multi-deal comparison, and buying-journey checklist
- Unlimited saved calculations
- The full article library, always free
Guides
- Buying a Home With Someone Else
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
- Dropped by Your Insurer: The Recovery Playbook
Non-renewed, cancelled, or declined: read the notice correctly, stop force-placed insurance, fix the reason code on it, and get the house insured again in 30 days.
- Underwriting a Rental: The Deal Analysis Playbook
How to verify one specific rental deal: audit the seller's pro-forma line by line, comp a real rent, reassess the tax, age the systems, and price the offer the numbers actually support.
- The Relocation Tax Playbook
What moving actually saves, on your own income mix rather than a headline rate — and how to establish domicile so the state you left cannot follow you.
- The Out-the-Door Price Playbook
One number, in writing, itemised — and the scripts that get it. Every line a dealer can add, which of them are negotiable, and what your own state's tax rules do to the total.
- The Debt Payoff Playbook
Build the inventory, find the one number that decides everything, cut your rates with scripts that work, and run the consolidation comparison honestly — with every figure computed.
- The Salary Negotiation Playbook
Convert every offer to take-home before you answer, match offers across state lines, and counter with scripts that work — with the arithmetic computed rather than asserted.
- Rent vs. Buy: The Full Decision Tree
Five gates, in order, each with a number you can compute. Includes the 50-state break-even table built from each state's own property tax, insurance and appreciation — and why that table is not a forecast.
Templates
- Total Mortgage Template
All six worksheets, each with its own combined Tips & FAQs tab, plus offline versions of every one of the site's nine calculators — twenty-three tabs in one workbook with an index that jumps straight to any of them. Rent vs. buy, closing costs, refinance break-even, mortgage points, first-time buyer programs, the early payoff tracker, and working payment, affordability, monthly-debt, HELOC, ARM-vs-fixed, PMI removal, refinance, points, and first-time-buyer calculators. Plus the site's full 6,500-word national buying guide for offline reading. The nine calculator tabs are only available here.
- Total Home Insurance Template
All four insurance worksheets, each with its own combined Tips & FAQs tab, plus offline versions of all five of the site's insurance calculators — fourteen tabs in one workbook with an index that jumps straight to any of them. The coverage audit, claim log, home inventory and renewal tracker, and working premium-estimator, replacement-cost, coverage-check, deductible-comparison, and renewal-check calculators. The five calculator tabs are only available here. Every state-varying figure is left blank rather than hardcoded, because an average baked into a file on your disk goes stale where nobody can correct it — the free pages on the site carry the sourced, cited number.
- Total Investment Template
All three investment worksheets, each with its own combined Tips & FAQs tab, plus offline versions of both of the site's other investment calculators — nine tabs in one workbook with an index. It follows a property's whole life: cash-to-close tells you what getting in costs, the deal analyzer what one year looks like, the P&L tracker what the year you owned it actually did on Schedule E, the hold-period tab what the whole hold returns, and the roll-up what your portfolio looks like once there is more than one. The two calculator tabs are only available here.
- Retirement Withdrawal Order Worksheet
Which account to draw first, priced rather than asserted: what the next thousand dollars costs from a taxable account, a traditional one, a Roth and an HSA, side by side on your own rates. Names the three cliffs a withdrawal can push you over without warning — the IRMAA Medicare surcharge assessed on your income from two years ago, the provisional-income threshold that makes Social Security taxable, and the capital-gains 0% ceiling — and deliberately leaves their figures blank rather than hardcoding thresholds that change annually. Counts the years between now and your RMD start age, because that window is where the largest decision in the whole worksheet lives.
- Out-the-Door Price Worksheet
One number, itemised, with the taxable amount working your state's trade-in rule live rather than leaving it to you to remember: four states with a sales tax credit nothing against a trade-in, and Ohio credits it against a new vehicle only. Checks a documentation fee against the nine statutory caps this site has confirmed, and is explicit that the other 41 states are unresearched rather than uncapped. Prices the F&I office as the optional extra it is, and adds the trade-in payoff back into the amount financed — because negative equity does not disappear when you trade the car, it moves into the new loan and accrues interest.
- Rent vs. Buy Worksheet
Lines up your real monthly rent against a real all-in mortgage payment — taxes, insurance, PMI, HOA, and a maintenance reserve included, not just principal and interest — then works out how many months of staying put it takes before buying pays back its upfront cost.
- Offer Comparison Worksheet
Two offers priced as packages rather than as salaries. A discretionary bonus is discounted for what it actually is, the employer retirement contribution goes in as dollars rather than a formula, the health premium you pay comes off, and private equity is valued at what you would genuinely pay for it in cash today. It deliberately does NOT compute your tax — filing status, dependents and local tax all move it, and a guessed figure would look authoritative and be wrong; enter each offer's real take-home instead and the comparable-net row does the rest. Ends with the five things no number on the page captures, because in a close decision those are the decision.
- Move-In Cost Planner
The cash a move actually takes, split into what comes back and what never does — because a deposit and an application fee are different kinds of money and averaging them hides the real cost. Covers the lines people plan for and the ones they do not: the overlap month when two leases run at once, utility deposits, cleaning the old place, and unpaid time off. Gives you the total as a multiple of one month's rent so you can see whether yours is normal, a straight answer on whether your cash covers it, and a before-you-sign checklist built around the evidence that actually decides a deposit dispute.
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