Free tools
No email required. No data leaves your browser. Math is Bay Area-calibrated for 2026 conditions.
Bay Area-calibrated. Property tax (1.15% default) + insurance + HOA built in. Affordability + total monthly PITI.
Best for: Buyers running monthly-payment scenarios at different price points and downpayments.
Inputs: Home price · Down % · Interest rate · Loan years · Property tax % · Insurance / mo · HOA / mo
Output: Total monthly PITI + total interest over loan life.
Open the mortgage calculatorWhat you actually pocket from a Bay Area home sale. Commission, closing costs, prep, mortgage payoff netted out.
Best for: Sellers projecting take-home cash before listing or comparing list-price scenarios.
Inputs: Expected sale price · Current mortgage balance · Commission % · Closing costs % · Prep budget
Output: Net to your bank account at close + breakdown of every line item.
Open the net proceeds calculatorMulti-year math accounting for downpayment opportunity cost, appreciation, rent growth, and the 7% sale cost at exit.
Best for: First-time buyers and tech professionals deciding whether the Bay Area buy math actually works.
Inputs: Home price you would buy · Current rent · Down % · Mortgage rate · Years until sale · Home appreciation % · Investment return %
Output: Verdict (buy or rent wins) + dollar gap + net position both ways.
Open the rent vs. buy calculatorFrequently asked
Yes. Default values are calibrated for current 2026 Bay Area conditions: 1.15% property tax (CA Prop 13 baseline + local), 6.85% mortgage rate (median 30-year conforming), $150/mo insurance, 7% all-in sale costs. Adjust any input to your actual numbers.
No. All math runs in your browser. Nothing is sent to a server. Nothing is stored. Close the tab and the numbers are gone.
If you are thinking about selling: start with Net Proceeds — it answers the most-asked seller question first. If buying: Mortgage Calculator for affordability + Rent vs. Buy if you are on the fence. Most users run all three over the course of researching.
Ours uses California-specific defaults (1.15% effective property tax accounting for local additions, Bay Area insurance ranges). Zillow uses national averages that underestimate Bay Area total housing cost by 10-20%.
The math is mechanical and correct given the inputs. The TRUTH of the answer depends on the appreciation assumption — Bay Area long-term is ~3-4% but short windows swing -5% to +10%. Run multiple appreciation scenarios.
As an estimate, yes — typically within 3-5%. For an address-specific number with your actual mortgage balance, commission negotiated rate, and county-specific transfer tax, Roger runs a tailored projection in the free consultation.
Not currently — they live only in your browser session. Workaround: take a screenshot or paste the numbers in your notes app.
Coming. For now: see the /investment-property-bay-area and /1031-exchange-bay-area pages for the framework; run actual numbers with Roger and your CPA.
Call (510) 504-0402 or text. Roger runs custom-number projections daily — short sale, divorce split, multi-property sale, IPO timing, downsizing equity calculus. The free call covers most of these.
Roger runs custom projections with your real mortgage balance, real comp range, real timeline. Free call.