Buy Your First Home: The Money Checklist
From down payment savings to what a lender will approve: the free calculators and plain-English guides that take you from renter to owner.
For first-time buyers one to five years out.
- Free toolRent vs. Buy CalculatorConfirm buying actually wins for your city, rent, and timeline.
- GuideHow to Save for a House Down Payment (Without Pausing Your Life)Set the target and the timeline without pausing the rest of your life.
- Free toolDown Payment CalculatorTurn 3, 5, 10, or 20 percent into a real cash target and date.
- Free toolHYSA Interest CalculatorPark the fund where it earns real interest while it waits.
- Free toolDebt-to-Income CalculatorCheck the ratio underwriters check before they see your offer.
- Free toolHome Affordability CalculatorGet an honest price range before the listings start whispering.
- Free toolMortgage CalculatorSee the real monthly payment: principal, interest, taxes, insurance.
- Free toolClosing Cost CalculatorBudget the 2 to 5 percent that surprises first-time buyers at signing.
- Free toolPMI CalculatorPutting down less than 20 percent? Price the PMI and its exit date.
See your whole financial picture, calmly
Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.
Coming soon