Free Home Buying Calculators & Planning Tools

Tips Clear’s free home-buying suite: five focused calculators plus honest, methodology-first explainers. No signup, no dark patterns.

• Home Affordability Calculator — 28/36 rule with taxes, insurance, PMI, HOA.
• Monthly Home Ownership Cost Calculator — monthly / annual / 10-year totals.
• Rent vs Buy Calculator — year-by-year break-even.
• Down Payment Savings Planner — cash vs invested.
• Closing Cost Calculator by State — itemized fees + state transfer tax.

Why Tips Clear?

Because most calculators lie by omission. We show every line item, credit equity back at sale, and never gate the answer behind a signup or a lead form.