Free renter tools

Run the numbers

Five calculators that turn renter guesswork into real figures — before you sign, fix, or move. Nothing saved, nothing shared.

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Deposit Deduction Estimator

Toggle on everything you’ve already fixed yourself. We’ll show what a landlord typically charges for the rest — and what you stand to get back.

Your security deposit $1,240
$
Common move-out items — fixed it yourself?
Patch & paint nail holesWalls full of holes
$150
Deep clean kitchen & bathMove-out cleaning fee
$120
Carpet shampoo / stainsSpot treatment
$90
Replace burnt-out bulbs & batteriesSmoke detector, fixtures
$60
Re-grout / caulk tub lineMildew & gaps
$110
Touch up scuffs & marksDoors, baseboards
$75
Estimated deposit returned
$1,015

You’ve handled most of it yourself. Document everything with photos to protect the rest.

Deposit$1,240
Likely deductions−$225
You saved by DIYing$285
Open the move-out checklist

Rent Affordability (30% Rule)

The classic guideline: keep rent at or under 30% of your gross monthly income. Adjust for your other monthly debts to see a comfortable range.

Gross monthly income $4,500
$
Other monthly debt payments $400
Comfort level
Recommended max rent
$1,350

At 30% of income, with your debts factored in, this keeps your budget comfortable.

Cautious (25%)$1,125
Standard (30%)$1,350
Stretch (35%)$1,575
Left for everything else$2,750

Renters Insurance Estimator

A rough monthly premium based on how much stuff you’re covering, your deductible, and your area. Real quotes vary — use this to sanity-check them.

Personal property coverage $25,000
Deductible
Area cost tier
Estimated premium
$17/mo

That’s roughly the cost of two coffees to protect everything you own from theft, fire, and water damage.

Per month$17
Per year$204
Covers up to$25,000

DIY vs. Hire-a-Pro

Pick a common repair to see the real trade: what it costs you in materials and time versus calling someone in.

Repair
What’s your time worth? $25/hr

Heads up

Electrical, gas, and structural work often must be done by a licensed pro — and may be your landlord’s job. Check first.

You’d save by doing it yourself
$119

Even valuing your time, the DIY route comes out well ahead on this one.

DIY — materials$18
DIY — your time$13
DIY total$31
Hire a pro$150

Move-Out Budget Planner

Moving costs sneak up fast. Add what applies to you and see the real total — plus how much your returned deposit offsets it.

First month + deposit (new place) $2,400
Movers / truck rental $450
Boxes & supplies $80
Cleaning & repairs (old place) $60
Deposit you expect back $1,015
Cash you’ll need on move day
$1,975

This is your out-of-pocket after the old deposit comes back. Old deposits usually arrive 2–4 weeks later, so plan to front it.

Total move costs$2,990
Deposit returned−$1,015
Net out of pocket$1,975
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Estimates are for general guidance only and are not financial or legal advice. Your actual costs, premiums, and deposit rights depend on your lease and local law.