You’ve found a place. Does the whole bill fit?
Look beyond the mortgage to ordinary bills, savings and the room you want left for life.
Open The Real Number →Rooofread tools
A place costs more
than its price.
Start with your housing question. Explore your own numbers, understand the result, then read the stories behind the costs.
Try an online calculator.
Explore your numbers here, in your browser.
A different address. A better everyday life?
Compare two places by household costs and commuting time. Then test what a normal week would feel like.
Open Could I Live There? →You’re staying a renter. What comes next?
Explore renting and buying over time, then compare the real costs of the rentals on your shortlist.
Open What If I Keep Renting? →Buying can wait. What changes while you do?
Check the cash you need, the buffer you want and how different choices could shape your next five years.
Open How Far Away Am I? →Take an Excel spreadsheet with you.
Free .xlsx files to download, fill in and keep. Start with the instructions in each workbook.
Your numbers. Visible assumptions. Room for life to happen.
Start Quick, then add detail. Calculator inputs stay in your browser tab. These are educational models, not forecasts or lending decisions.