Are these calculators free?

Yes, all AiiACo real estate tools are completely free to use. No account required. You can optionally email yourself a detailed report.

How accurate are the calculations?

Our calculators use industry-standard formulas with sensible defaults for taxes, insurance, maintenance, and vacancy. You can override any assumption. Results are for informational purposes — always consult a licensed professional before making financial decisions.

Can I use voice instead of typing?

Yes, each calculator includes a microphone button that converts your speech to text. Describe your situation naturally and the AI will extract the relevant numbers.

AI-Powered Tools

Real estate decisions, answered in seconds

Free calculators that give you real numbers — not lender fantasy math. Describe your situation in plain English or use the structured forms. No account required.

Affordability Calculator

How much house can I actually afford?

Get a realistic home budget based on your income, savings, debts, and location. Not lender fantasy math — real numbers with DTI analysis, down payment scenarios, and emergency reserve impact.

DTI ratio analysisDown payment scenariosZone-based comfort rangeEmergency reserve impact

Find your number

Rent vs Buy Analyzer

Should I rent or buy right now?

Compare the true 10-year cost of renting versus buying. Includes mortgage, taxes, maintenance, opportunity cost on your down payment, and a clear verdict with break-even year.

10-year wealth comparisonBreak-even analysisOpportunity cost modelingYear-by-year breakdown

Compare your options

Investment Property Analyzer

Will this property cash flow?

Analyze any rental property in seconds. Get cash flow, cap rate, cash-on-cash return, gross rent multiplier, and 10-year equity projections with detailed expense breakdowns.

Cash flow analysisCap rate & CoC return10-year equity projectionsExpense breakdown

Analyze a property

Refinance Calculator

Should I refinance my mortgage?

Find out if refinancing makes sense. Get break-even analysis, monthly savings, lifetime cost comparison, and a clear verdict — powered by real math, not sales pitches.

Break-even analysisMonthly & lifetime savingsCash-out modelingYear-by-year projections

Run the numbers

Relocation Planner

Should I move to a new city?

Compare cost of living, housing markets, taxes, schools, and lifestyle factors between two cities. Get a data-driven verdict with income equivalents and 5-year projections.

Cost of living comparisonIncome equivalentLifestyle factor ratings5-year projection

Compare cities

How it works

Describe your situation

Type or speak naturally. The AI extracts the numbers it needs.

Get real answers

Instant analysis with clear verdicts, not vague ranges or disclaimers.

Email your report

Get a branded PDF-quality report sent to your inbox. Free, no account needed.

Need help deciding which tool to use?

Talk to AiA — our AI voice agent can walk you through your options and recommend the right starting point.

Talk to AiA