Piggy🏠 Home & borrowing
Buying, renting, refinancing and paying debt down — on income that isn't a salary.
Mortgage Calculator
Monthly payment with taxes, insurance & HOA — plus a full amortization schedule.
🔑Home Affordability Calculator
How much house you can buy on 1099 income — using the year lenders actually count.
🏘️Rent vs Buy Calculator
Net worth either way — including the mortgage interest deduction most buyers never get.
🔄Refinance Calculator
Break-even, yes — but also what restarting a 30-year clock really costs you.
🚗Loan Calculator
Car, personal or student loan payments and the true total cost of borrowing.
❄️Debt Payoff Calculator
Avalanche vs snowball, month by month, with the real interest each one costs.
Borrowing on self-employment income is a different exercise, and most calculators quietly assume you have a salary. You do not, and the number a lender uses is not the number on your invoices.
What a lender actually counts
Not revenue — Schedule C net profit. Invoice $140,000, deduct $45,000 of legitimate expenses, and an underwriter sees $95,000. Every deduction that saved you tax in April also lowered what you can borrow against, which is the single biggest reason self-employed applicants are quoted less than they expected.
The affordability calculator starts from that figure rather than a salary, adds back the non-cash expenses lenders allow, and uses the lower of your two recent years when income has fallen — the conservative reading underwriters have to be able to defend. It also shows that the 43% debt-to-income figure everyone quotes is a convention rather than a law; the CFPB removed it from the Qualified Mortgage definition in 2020.
Buy, rent, or refinance
Whether to buy at all is worth answering before how much. The rent versus buy calculator gives both paths the same monthly budget and compares net worth, which is the only version of the question with a real answer — and it tests the mortgage interest deduction year by year rather than assuming you get it, because with a $16,100 standard deduction most buyers do not.
Once you have a price, the mortgage calculator handles the payment properly, including the private mortgage insurance that a low deposit brings. If you already have a loan, the refinance calculator shows the break-even everyone quotes and then the one that counts — because a fresh 30-year term costs you roughly a percentage point of rate, and the usual calculation credits you for savings that are really just a longer loan.
And if debt is the thing standing in the way, the payoff calculator simulates avalanche against snowball month by month. The honest finding is that the gap between them is usually smaller than the argument about it, and the extra payment matters far more than the ordering.