Free tools
Seven calculators, built for New Jersey numbers.
Most online real estate calculators assume a 1% property tax rate. In Middlesex County that assumption is off by half a mortgage payment. These are built with New Jersey tax, transfer fees and closing costs in the formula.
NJ Mortgage Calculator
Your real monthly payment, with the town's property tax, insurance, PMI and HOA included.
Affordability Calculator
What price can you carry once Middlesex County property tax is in the payment?
Rent vs. Buy Calculator
Year-by-year net cost of renting against owning, and the year buying pulls ahead.
Sell vs. Rent Calculator
Keep the low rate and become a landlord, or sell and redeploy the equity?
Net Proceeds Calculator
Sale price minus every New Jersey seller cost, including the transfer fee.
NJ Closing Cost Calculator
Buyer cash to close, itemised — and it correctly leaves the mansion tax off your side.
Estimates only, for planning conversations. Not legal, tax, mortgage or investment advice. Confirm every figure with your lender, attorney and accountant before you rely on it.
NEXT STEP
Numbers are a starting point, not a strategy.
Bring me any result from these tools and we will pressure-test it against what is actually selling on your street this month.