🧮 14 Free Tools

All Calculators

From rent grades and broker fees to retirement and side hustle taxes. Built for the reality of living in New York City. No sign-up. No nonsense.

NYC Spending Personality

9 questions. Find out what kind of NYC spender you are. See what your habits are costing you each year.

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All Tools

All 14 Calculators

All 14 calculators are free, instant, and built for New York City life. Everything runs in your browser.

Mortgage Payoff Calculator

See how extra payments shave years off your mortgage. NYC buyers: factor in mansion tax, transfer taxes, and co-op board requirements.

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Rent vs. Buy Calculator

In NYC the math is different. Broker fees, mansion tax, and sky-high prices change the rent vs. buy calculation completely.

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Car Payment Calculator

Calculate your monthly payment and true cost of ownership. NYC drivers: factor in insurance, parking, and alternate side rules.

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Credit Card Payoff Calculator

See exactly how long payoff takes and what interest will cost you. NYC cost of living makes carrying a balance especially dangerous.

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Student Loan Calculator

Plan your repayment and see your debt-free date. NYC salaries are high but so is the cost of living that eats into every payment.

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Retirement / 401k Calculator

Project your retirement savings. NYC renters who never build equity need this number to be higher than they think.

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Subscription Drain Calculator

In a city where every dollar counts, subscriptions are a silent drain. See what yours are really costing you annually.

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Layoff Survival Calculator

NYC's cost of living means your runway is shorter than you think. Find out exactly how many months you have.

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Can I Afford This? Calculator

NYC makes everything feel affordable on a monthly basis. This calculator tells you the honest truth.

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Side Hustle Tax Calculator

NYC freelancers and side hustlers pay city, state, and federal taxes. See your real take-home after all of it.

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NYC Apartment Calculator

The 40x rule, broker fees, security deposit, and full move-in cost breakdown. See what your salary can actually rent in NYC.

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Enter your rent, neighborhood, and size. Get your grade vs. current NYC market rates. A through F.

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Commute Cost Calculator

Subway, car, Uber, or bike. The true annual cost of getting around NYC and what the difference invested would be worth.

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