Know what your home really costs.
Your true monthly cost of ownership — mortgage, maintenance, and every hidden expense — in under 2 minutes.
How it works
Three steps to clarity.
Tell us about your home
ZIP code, home value, year built, and a few quick toggles. Takes about 90 seconds.
Get your monthly number
We calculate a recommended set-aside based on age, type, and features. Fully transparent.
Stay on track
View your 12-month calendar, get monthly reminders, and never be caught off-guard.
Features
Everything you need to understand your costs.
No spreadsheets. No guessing. Just a clear picture of what you spend.
Personalized calculation
Based on home age, value, type, and features like pools or HOAs.
12-month calendar
See exactly when big bills hit and how much to save each month.
Transparent assumptions
We show you exactly how we got your number. No black box.
Email your plan
Get a PDF summary and calendar file sent straight to your inbox.
Monthly reminders
Pro users get a monthly nudge with upcoming items and amounts.
Calendar export
Download an .ics file and add payment due dates to any calendar.
Trusted by 2,000+ homeowners
“I had no idea our 1962 ranch needed nearly $800/month set aside for maintenance alone. This tool made us rethink our renovation budget completely.”
“We were only budgeting for mortgage and insurance. Turns out we were underestimating our true monthly cost by over $400. Wish I had this before we closed.”
“The 12-month calendar is a game-changer. I can finally see when the big bills hit and plan around them instead of scrambling.”
Pricing
Simple, transparent pricing.
Start free. Upgrade when you want reminders and exports.
Free
- Personalized monthly set-aside
- 12-month home cash calendar
- Transparent calculation breakdown
- Email plan summary (1x)
Pro
- Everything in Free
- Monthly email reminders
- Download PDF anytime
- Calendar export (.ics)
- Save multiple homes
- Edit renewal dates anytime
- Priority support
FAQ
Common questions
Our calculations are based on industry-standard maintenance ratios, regional cost data, and the specific characteristics of your home. The estimate is a well-informed starting point — actual costs depend on your home’s condition and local market.
We cover mortgage payments, property tax, homeowners insurance, maintenance reserves, HOA dues, utilities, and major-system replacement reserves (roof, HVAC, water heater, and more).
Your calculator inputs stay in your browser’s session storage and are never sent to a server unless you explicitly save a plan to your account. No tracking, no selling data.
We start with the widely-used 1% rule (1% of home value per year) and adjust for home age, features like pools or large lots, and regional cost factors. Older homes get a higher rate because systems are closer to replacement.
No. The calculator and results are completely free and require no sign-up. An account is only needed if you want to save multiple homes, get monthly reminders, or export calendar files.
Pro adds monthly email reminders with upcoming expenses, calendar export (.ics), PDF reports, and the ability to save unlimited homes to your dashboard. The calculator itself is always free.
Stop guessing. Start planning.
Find out what your home really costs each month — free, private, and takes under 2 minutes.
Get my number