NYC Real Estate Calculators
Free tools to help you plan your next move in NYC real estate. Pick a calculator below — we’re adding more over time.
Full Closing Cost Calculators
Complete, itemized breakdowns covering every fee in your transaction.
NYC Closing Costs Calculators
Estimate buyer and seller closing costs on a condo or co-op purchase — mansion tax, transfer taxes, attorney fees, title insurance, and building-specific fees, broken down line by line.
NYC Condo Closing Costs Calculator
The buyer and seller calculator, locked to condo math specifically — title insurance, recording fees, and no co-op-only line items cluttering your numbers.
NYC Buyer Closing Cost Calculator
A deeper dive into buyer-side costs alone, with editable attorney and lender fees plus Purchase CEMA support to model mortgage-recording-tax savings.
NYC New Development Closing Cost Calculator
Buying a sponsor unit? Model transfer tax, sponsor attorney fee, working capital, and super apartment contributions — and toggle which ones your sponsor is covering.
NYC Seller Closing Cost Calculator
A deeper dive into seller-side costs alone, with editable broker commission and attorney fee, plus your real mortgage payoff subtracted for a true net proceeds number.
NYC Home Sale Net Proceeds Calculator
The same seller math, framed around the number that matters most: how much you’ll actually walk away with after commission, taxes, fees, and your mortgage payoff.
NYC Rent vs. Buy Calculator
Compare the true, all-in cost of renting versus buying — financing, taxes, opportunity cost, and appreciation — and find your breakeven year.
Single-Purpose Tax Calculators
Just need one number? These focus on a single tax or fee.
NYC & NYS Transfer Tax Calculator for Sellers
NYC and NY State transfer tax, broken out separately, with the combined total and effective rate.
NYC Mansion Tax Calculator
See your exact bracket across all 8 progressive tiers, from 1% at $1M to 3.9% above $25M.
NYC Property Tax Calculator
Estimate your recurring annual property tax bill — separate calculations for houses (price-based) versus condos/co-ops (abatement and cap-based, since NYC can’t assess those from a sale price).
NYC Mortgage Recording Tax Calculator
Full rate vs. your buyer-paid net rate, broken down — plus why co-ops owe nothing at all.
NYC Purchase CEMA Savings Calculator
See exactly how much assuming the seller’s existing mortgage could save you on Mortgage Recording Tax.
Co-op Flip Tax Calculator
Supports all three real-world methods buildings use: percent of sale price, percent of profit, or per-share.
Co-op Maintenance Tax Deduction Calculator
Figure out what percentage of your co-op maintenance is tax-deductible from your building’s per-share mortgage interest and real estate tax figures.
NYC Capital Gains Tax Calculator
Estimate federal, NIIT, and NY State & City tax on your sale — including the primary residence exclusion and depreciation recapture if it was a rental.
1031 Exchange Calculator
Estimate your boot, deferred gain, and new basis on an investment property exchange — compared side-by-side against selling outright.
NYC Title Insurance Calculator
Owner’s and lender’s title insurance premiums using New York’s regulated Zone 2 rate schedule, plus the simultaneous issue discount.
NYC Income Tax Calculator
Combined NY State and NYC resident income tax with real marginal tax brackets, broken out by state and city.
NYC Real Estate Commission Calculator
Calculate total commission on a NYC sale, the listing/buyer side split, and your take-home after your brokerage split.
Real Estate Agent Commission Split Calculator
See how a sale’s total commission breaks down between an agent and their brokerage — your split, any flat brokerage fee, and your final take-home.
Real Estate Investor Calculators
Running the numbers on a rental purchase or comparing it to other uses of your capital.
Cap Rate Calculator
Unlevered return on a NYC investment property: net operating income divided by total acquisition cost.
Rental Property Calculator
Monthly cash flow, cap rate, and cash-on-cash return on a financed NYC rental purchase, including your actual mortgage payment.
Buyer Agent Commission Rebate Calculator
Estimate your commission rebate when buying with a discount buyer’s agent in NYC, including any agent minimum earnings floor.
Net Effective Rent Calculator
See both the marketed net effective rent and the gross rent you’ll actually pay each month with a free-month concession.
Price Per Square Foot Calculator
Calculate $/sq ft for a sale or rental and compare it against a neighborhood average.
Retirement Growth Calculator
Project how an investment account grows with compound returns and monthly contributions — a useful comparison against tying up capital in real estate.
Mortgage Calculators
Financing, affordability, and specialty loan programs.
Interest Only Mortgage Calculator
See both your interest-only payment and the higher fully-amortizing payment once that period ends.
ARM Calculator
See your payment if rates stay flat and your worst-case payment at the lifetime cap, with a full adjustment schedule.
Biweekly Mortgage Calculator
Compare true biweekly payments against a free DIY alternative before paying any third-party biweekly program.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratio against conventional, FHA, and VA guideline thresholds.
Mortgage Affordability Calculator
See the maximum loan amount and home price you likely qualify for, based on income, debts, and target DTI.
Home Affordability Calculator
Find your real budget: the lower of your cash-constrained and income-constrained maximum price.
VA Loan Funding Fee Calculator
Calculate the VA funding fee on a purchase, cash-out refinance, or IRRRL using the VA official rate table.
FHA Loan Calculator
See your full payment including Upfront and Annual MIP, and how long you’ll actually be required to pay it.
HELOC & Home Equity Loan Calculator
Compare a revolving HELOC against a fixed-rate Home Equity Loan, including the payment jump when repayment starts.
VA Home Loan Calculator
Estimate your full monthly VA loan payment with the funding fee included and no PMI, ever.
Physician Mortgage Calculator
Estimate what you can borrow with a physician loan: 0% down, no PMI, and flexible student loan treatment.
Refinance Mortgage Calculator
See your new payment, monthly savings, and the breakeven point on closing costs before you refinance.
Cash-Out Refinance Calculator
Calculate how much cash you can pull from your home equity and your new monthly payment.
Reverse Mortgage Calculator
Estimate how much you could access through a HECM reverse mortgage based on age, home value, and existing balance.
Mortgage Amortization Calculator
See your monthly payment, total interest, and how your balance and principal/interest split shift over time.
Westchester Calculators
The same itemized rigor, built for Westchester County’s own tax rules and rates.
Westchester Buyer Closing Cost Calculator
Mansion tax, mortgage recording tax, title insurance, and every standard buyer fee for a Westchester County purchase, itemized.
Westchester Seller Closing Cost Calculator
Broker commission, transfer taxes, and every standard seller fee for a Westchester County sale, plus your net proceeds.
Westchester Transfer Tax Calculator
NY State Transfer Tax plus the added local rate if you’re selling in Yonkers, Mt. Vernon, or Peekskill.
Westchester Mansion Tax Calculator
A flat 1% on purchases of $1 million or more — no graduated brackets like NYC.
Westchester Mortgage Recording Tax Calculator
1.3% of your loan amount, or 1.8% in Yonkers — with the customary lender-paid portion broken out.
New Jersey Calculators
New Jersey’s real estate costs work differently than New York’s — a graduated Realty Transfer Fee, a separate flat-rate mansion tax on $1M+ sales (seller-paid as of July 2025), state-regulated title insurance rates, and non-resident seller withholding.
NJ Realty Transfer Fee (RTF) & Mansion Tax Calculator
Both seller-paid fees on a New Jersey sale, together — the graduated RTF plus the additional mansion tax on $1,000,000+ sales.
New Jersey Mansion Tax Calculator
A flat 1%-3.5% on the full price of sales at $1,000,000 or more, graduated by bracket — not a marginal calculation.
New Jersey Buyer Closing Cost Calculator
Title insurance, attorney fees, inspection, appraisal, survey, and recording costs for a NJ purchase, itemized.
New Jersey Seller Closing Cost Calculator
Realty Transfer Fee, mansion tax, commission, and attorney fees for a NJ sale, plus your estimated net proceeds.
Estimate Closing Costs NJ (Buyer & Seller)
One tool, both sides of the closing table — toggle between buyer and seller to compare your New Jersey closing costs.
New Jersey Exit Tax Calculator
What non-resident sellers actually withhold at closing (it’s not an extra tax) — and why NJ residents owe nothing here.
New Jersey Title Insurance Calculator
New Jersey regulates title insurance rates — estimate your Owner’s and Loan Policy premiums for a purchase or refinance.
More calculators are on the way. Have a request? Let us know.