Know your numbersbefore you buy.
New York real estate has more line items than anywhere else in the country — mansion tax, flip tax, mortgage recording tax, two transfer taxes, board packages, common charges, maintenance. Six calculators built specifically for NYC, so you walk into a contract knowing exactly what you'll pay and what you'll keep.
Built for New York,
not for anywhere else.
Each calculator handles condo, co-op, and townhouse separately, because the math really is different.
Monthly Payment Calculator
Mortgage P&I plus condo common charges or co-op maintenance, taxes, and insurance — what your actual NYC payment looks like.
Investment Calculator
Cap rate, cash-on-cash, and 10-year IRR with NYC rent stabilization realities and building-specific carrying costs.
Seller Net Calculator
City + state transfer tax, broker commission, attorney, payoff, and co-op flip tax — your true walk-away check.
Closing Cost Calculator
Mansion tax, mortgage recording tax (condos & townhouses), title insurance, and the line items co-ops actually charge.
Rent vs Buy
How long until buying beats renting in NYC, accounting for appreciation, equity build, and the cost of leaving early.
Savings Planner
Down payment + closing reserves on your timeline — how much per month to land your target NYC apartment.
Three property types.
Three different math problems.
A generic mortgage calculator will miss 20–30% of your true cost in New York. Ours doesn't.
Common charges, real estate tax (often with 421-a abatement), mortgage recording tax, title insurance, and CEMA opportunities on refi.
Maintenance includes your share of building taxes. No mortgage recording tax. Building-specific flip tax can take 1–3% of your sale price.
Full property tax, full title insurance, full mortgage recording tax, plus the operating cost of running your own building.
What people say after
the deal actually closes.
"Sophia ran the real closing-cost math before we made an offer on a Chelsea condo. The numbers she gave us came within $1,200 of the actual closing statement."
"We almost made an offer on a co-op without understanding the flip tax. Sophia caught it, re-ran the seller net, and we adjusted our bid by $38K."
"Honest advice that wasn't about getting us to buy. She told us to keep renting for 18 more months — and she was right."
Built by Sophia Lin. Help buyers and sellers understand the market.
The strategies behind these numbers are where we close deals.