For Homebuyers
Go beyond a Mortgage Calculator with incomp.app
Refinance Scenario Tool
Already a homeowner? Use our refinancing tool for closing cost-adjusted estimates.
Homebuying 101
When does refinancing make sense? How much house can I afford? What is escrow? We got you.
Why Incomp
Built by Millennials and Gen Z (vs. boomer clickbait tools)
Legacy platforms lowball costs to keep you browsing and sell your data. It's frustrating. And most mortgage 'advice' online is paid advertisement with a bias. We built incomp as an alternative. Follow us on Instagram for updates as we launch tools that put first-time buyers first and improve visibility around mortgage rates and refinancing offers.
The Best Mortgage Calculator
for First-Time Homebuyers
We model the complete cost of homeownership— property taxes, insurance, upkeep, climate risk, tax savings, and rent vs. buy. No lead forms. No cold calls. Just transparency.
Monthly and Upfront Costs
1 in 3 listings show incorrect taxes—we flag and fix them.
We’re the only tool that overrides outdated property taxes and models reassessment possibilities, adjusts insurance estimates given FEMA climate risk at the Census tract level, and estimates maintenance reserves based on home age, type, renovation, and region.
Homeownership Cost Timeline
Amortization tables only tell part of the story.
Mortgage payments may stay fixed, but taxes, insurance, and upkeep won’t. We go beyond basic amortization tables to show how your total monthly costs could rise over time— so you can plan ahead.
Affordability, Deductions, Data Privacy
Pre-approval does not equal affordability.
We help you understand what’s realistic by backing out the income, debt, and savings typically needed for long-term stability, without asking for personal info. We’re also the only calculator that estimates potential mortgage and property tax deductions based on your income and filing status.
Buy vs Rent Calculator
Most tools make you guess dozens of inputs.
With incomp, just enter your current rent, and we’ll calculate your buy vs. rent breakeven instantly. Want more control? Adjust for tax savings, selling costs, or long-run historical trends with a single click.
Home Risk Assesement
Flood zone? Fire risk? These impact insurance costs now and over time. We pull National Risk Index data at the property level to adjust your insurance estimates and future projections so you can be better prepared. Unlike tools that hide risks to keep you clicking, we stand for transparency.