Free NYC real estate tools
Calculate before you commit.
Explore practical calculators for buying, financing, selling, renting and investing in New York City real estate—organized around the decision you need to make.
Explore calculators and forms
Compare · Estimate · PlanNew York City
FEATURED · NEW PLANNING TOOLS
Start with the decision in front of you.
Five focused calculators for the questions that usually need more than a mortgage payment.
TIMELY · SECOND HOMES
Pied-à-Terre Tax
Estimate New York City’s 2026 non-primary-residence surcharge using the current Department of Finance value bands and thresholds.
NEW · OWNERSHIP COST
True Carry Cost
Model a New York home over 5, 7 or 10 years and separate recurring ownership costs from equity-building principal.
NEW · HOUSEHOLD BUDGET
NYC Cost of Living
Compare New York living-cost benchmarks with an adjustable household budget, then hand the housing scenario into ownership planning.
NEW · OWNERSHIP COMPARISON
Condo vs. Co-op Cost
Compare two differently priced homes over 5, 7 or 10 years, including buyer costs, monthly carry, financing and modeled resale expenses.
NEW · MOVE-UP DECISION
Sell or Stay
Compare keeping a low-rate mortgage with selling, unlocking equity and buying the next New York home.
New buyer calculator
True Cost of Homeownership
Model a New York home over 5, 7 or 10 years—mortgage costs, taxes, monthly charges, upkeep and the portion that builds equity.
Open Homeownership CalculatorNew · Living in New York
NYC Cost of Living Calculator
Compare the City’s 2022 living-cost benchmarks with an adjustable ELIKA household budget, then explore a home-ownership scenario.
Open Cost of LivingNew · NYC homeowners
Sell or stay?
Compare the low mortgage you already have with the proceeds, transaction costs, cash required, monthly carrying cost and five-year economics of the next home.
Open Sell or StayOther relevant calculators
The numbers behind a better real estate decision.
Use these tools to test scenarios, understand tradeoffs and arrive better prepared for a conversation with your buyer’s agent, lender, attorney, tax professional or financial advisor. Every calculator and form is free to use.
01 · Eight tools
Buying and financing
Estimate affordability, monthly obligations, financing ratios, acquisition costs and the liquidity that remains after closing.
Buy vs. Rent Calculator
Compare the long-term financial impact of buying and renting based on your expected time horizon and assumptions.
Open calculator 02Home Affordability Calculator
Estimate a maximum purchase price using income, debt, down payment, taxes, insurance and monthly building charges.
Open calculator 03Mortgage Calculator
Estimate principal, interest, property taxes, insurance and common charges or maintenance in one monthly view.
Open calculator 04Mortgage Refinance Calculator
Assess potential savings, costs and break-even timing when refinancing a home or investment property.
Open calculator 05Loan-to-Value Calculator
Calculate LTV for a purchase, refinance or equity loan using the property value and loan amount.
Open calculator 06Debt-to-Income Calculator
Estimate your DTI ratio from income and recurring obligations—a factor considered by lenders and many co-op boards.
Open calculator 07Buyer Closing Costs Calculator
Estimate NYC condo, co-op and townhouse acquisition costs, including applicable mansion and transfer taxes.
Open calculator 08Post-Closing Liquidity Calculator
Estimate liquid assets remaining after the down payment and closing costs—important for lenders and co-op boards.
Open calculator02 · Four tools
Selling and ownership
Compare hold-versus-sell scenarios, estimate transaction expenses and evaluate property pricing by area.
Sell or Stay Calculator
Compare the low mortgage you have with sale proceeds, transaction costs, the next home and five-year economics.
Open calculator 09Rent vs. Sell Calculator
Compare the potential profitability of retaining and renting a property with selling it now.
Open calculator 10Seller Closing Costs Calculator
Estimate common NYC sale expenses, including transfer taxes, professional fees and mortgage-related charges.
Open calculator 11Real Estate Commission Calculator
Model a potential brokerage commission using the anticipated sale price and negotiated commission rate.
Open calculator 12Square Foot & Price-per-Foot Calculator
Calculate area and compare pricing per square foot across New York properties and floor plans.
Open calculator03 · Three tools
Renting
Understand rent affordability, concessions and broker fees under New York City’s FARE Act. A landlord’s or listing broker’s fee cannot be passed to the renter; a renter may still independently choose to hire and pay their own broker.
Rental Broker Fee Calculator
Estimate a tenant-broker fee only when the renter independently chooses to hire and compensate their own broker; a landlord’s or listing broker’s fee cannot be passed to the renter under the FARE Act.
Open calculator 14Rent-to-Income Calculator
Estimate a sustainable monthly rent budget from household income and compare the resulting ratio.
Open calculator 15Net Effective Rent Calculator
Translate free-rent concessions and lease terms into an effective monthly cost and compare it with gross rent.
Open calculator04 · Three tools
Real estate investing
Analyze income, operating performance, cash flow and return potential before evaluating risk and long-term fit.
Rental Property Yield Calculator
Estimate gross and net rental yield, cash flow and a simple payback period for an investment property.
Open calculator 17Net Operating Income Calculator
Calculate rental income less operating expenses and use NOI to evaluate cap rate and property performance.
Open calculator 18Return on Investment Calculator
Model longer-term return after acquisition costs, operating expenses, financing and projected disposition assumptions.
Open calculator05 · Five planning tools
Offer and board forms
Prepare the financial, offer, transaction and rental-application records commonly needed for New York City real estate.
REBNY Financial Statement
Prepare an organized statement of assets, liabilities, income and expenses for a condo or co-op application.
Open tool 20Submit an Offer Form
Organize the core financial, timing and contingency terms of a resale condo or co-op offer for review.
Open form 21NYC Real Estate Deal Sheet
Create a clear accepted-offer record for buyers, sellers, brokers and attorneys, then download a PDF or Excel-compatible CSV.
Open form 22Apartment Rental Application
Organize a tenant rental application and create a polished branded or eligible unbranded PDF directly in the browser.
Open form06 · Two tools
Ownership and everyday costs
Explore the ongoing cost of a home alongside your New York household budget.
Numbers need context
The model shows the math. Experience tests it.
These tools provide educational estimates, not legal, tax, lending or investment advice. Actual costs, approval standards, rates and returns vary by property and transaction. An ELIKA advisor can help you interpret the result in the context of a specific New York property.
Discuss your numbersFrequently asked questions
Using ELIKA’s real estate calculators.
Are these calculators and planning forms free to use?
Yes. ELIKA’s calculators and planning forms are available without charge. They are designed to help buyers, sellers, renters and investors explore decisions before speaking with an advisor.
Which calculators are most useful for an NYC buyer?
Start with affordability, mortgage, buyer closing costs and post-closing liquidity. Co-op buyers may also want the debt-to-income and REBNY financial statement tools.
Which calculators help analyze an investment property?
Use the rental yield, NOI and ROI calculators together. Net effective rent, square-foot and mortgage tools can add useful context.
Are calculator results exact quotes or approvals?
No. Results are estimates based on the information and assumptions entered. They do not guarantee financing, building approval, taxes, transaction costs or investment performance.
Can ELIKA review a calculation for a specific property?
Yes. Share the property and your objective with an ELIKA advisor, who can help you evaluate the assumptions and identify items requiring lender, attorney, accountant or tax-advisor guidance.
Your objective, represented