For Homebuyers
Calculate homeownership costs
and budget with incomp
Already a homeowner?
Check out our refinancing calculator and model different outcomes.
Homebuying 101
Preparing to get a mortgage? Questions about closing costs? We're here to help.
Why Incomp
Millennials and Gen Z deserve a better experience
Existing online tools underestimate costs (to keep you browsing) and sell your data (to make a quick buck). That ain't right.
That's why we built incomp. Follow us on Instagram for updates as we release more transparency focused tools for homebuying.
Upfront and Monthly Estimates
1 in 3 listings show incorrect taxes—we flag and fix them.
Flood zone? We check FEMA data and adjust insurance. Older home? Higher utilities and upkeep are modeled in. Putting less than 20% down? We estimate PMI and escrow. Recent renovation? We adjust the figures for that too.
Cost Timeline
Amortization tables only tell part of the story.
Your mortgage monthlies may stay fixed—but property taxes, insurance, and maintenance costs will go up. We model how your total homeownership costs may evolve over time—so you can plan for the future.
Affordability, Deductions and Privacy
Most affordability tools exist to sell your data—we don’t.
We model full ownership costs and reverse-engineer the minimum income and debt limits needed—no personal info required. Want more precision? You can enter your income for tax deduction estimates, but nothing is saved.
Buy vs Rent
Other tools ask you to guess 25+ variables. With incomp, just enter your current rent— we’ll calculate your buy vs. rent breakeven period instantly. Want more control? You can include selling costs, tax deductions, or override the model with 40-year U.S. averages.
Risk Assesement
Flood zone? Fire risk? These factors can impact insurance rates today and in the future. We find the National Risk Index rating down to the property level and adjust baseline estimates and projections.