Free BayNest calculator

Buying power is not a vibe.

Model income, debt, cash, existing home equity, public stock, and startup equity against Bay Area city medians before a listing gets emotional.

Model inputs DTI + cash-to-close + equity liquidity

21cities

6.51%rate seed

4loan profiles

Educational planning tool only. Verify live rates, lender overlays, taxes, HOA reserves, insurance, and private equity liquidity before acting.

Cash flow Household income Monthly debts Current rent Loan profile

Capital stack Cash savings Existing home equity Selling cost % Vested public stock / RSUs Startup equity paper value Startup liquidity probability % Startup haircut % Tax reserve %

Purchase assumptions Desired city Custom target price Down payment % Interest rate Closing-cost buffer % Monthly insurance Maintenance % / year Cash reserve months

Practical max purchase price

City median / target

Cash needed

Usable cash modeled

Cash gap / surplus

Bankable max without startup equity

Startup equity counted

Net existing equity

Housing payment cap

Payment at practical max

Payment at target

First-year monthly delta vs rent

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Assumptions

What this quick model uses

Loan model30-year fixed with selectable conventional, jumbo, FHA, and CalHFA-style DTI guardrails.

Capital modelCash, net existing equity, after-tax public stock, and risk-weighted startup equity are separated so paper wealth does not masquerade as cash.

Local dataCity medians, taxes, HOA assumptions, insurance, maintenance, and closing-cost buffers are planning seeds. Last updated May 24, 2026.

Sources include Redfin/Zillow market pages, Freddie Mac/FRED mortgage-rate data, county/city tax pages, and CalHFA program pages. Verify live rates, RSU tax treatment, private-company liquidity, insurance, HOA reserves, transfer taxes, and lender overlays before acting.