Our Mission
Simple Finance Calculators exists to unlock financial knowledge for anyone making a housing decision. We read the same mortgage releases, rent indexes, and short-term rental reports that professionals rely on and translate them into interactive tools that feel approachable, transparent, and bias-free. Our mission is to keep every calculator honest with clear assumptions, cite the sources that inform our defaults, and update the math the moment new data is published so families, investors, and advisors can make smarter choices together.
Data Sources & Methodology
Every calculator calls out the data it uses. The core references refreshed monthly include:
- Bureau of Labor Statistics Shelter CPI and rent indexes
- Freddie Mac Primary Mortgage Market Survey for rate baselines
- HUD PMI thresholds, IRS Schedule E expense categories
- AirDNA and STR Insights for nightly rate and occupancy comps
Formulas are reviewed quarterly and whenever regulators update lending rules or tax guidance.
Update Cadence
Last updated: November 2025
Latest change: added breakeven insights aligned with BLS rent CPI.
Last updated: November 2025
Latest change: refreshed PMI handling per HUD 2025 guidelines.
Last updated: November 2025
Latest change: included AirDNA ADR averages and management fee presets.
Explore the Calculators
Jump directly into the tools that match your next decision.
Model your breakeven year with side-by-side rent and ownership costs.
Visualize principal, interest, and payoff timelines with escrow costs.
Stress-test nightly rates, occupancy, and management fees before purchasing.
Financial & Legal Disclaimers
Simple Finance Calculators is an educational resource. Our tools do not provide financial, investment, legal, accounting, or tax advice, and the outputs should never be the sole basis for a transaction. Actual loan terms, rent increases, occupancy rates, and expenses depend on your lender, jurisdiction, credit profile, and operational decisions. Always consult licensed mortgage professionals, attorneys, and tax advisors to validate assumptions, confirm regulatory obligations, and understand the legal implications of your strategy.
By using the calculators you acknowledge that you are responsible for compliance with all applicable laws, reporting requirements, insurance needs, and risk management decisions.