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.
Net Effective Rent
Convert NYC gross rent + free-month concessions into the real monthly number, so you know what you're actually signing for.
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.
Run the numbers with a human who's seen hundreds of NYC deals.
30 minutes, no pressure. Bring a listing or a goal — we'll pull the building's financials, model the exact carry, and tell you if it's a yes.