Free BayNest tools

Start with the numbers that stop bad housing decisions early.

These are the free versions of the BayNest operating system: fast enough to use before a showing, specific enough to show whether a city, offer, or cash plan deserves more work.

Run buying power Estimate cash to close

01 / calculator

Bay Area Buying Power Calculator

Income, debt, cash, existing equity, RSUs, startup equity, DTI guardrails, reserves, city medians, and a practical max price in one quick model.

21 cities 4 loan profiles equity stack

Run the calculator

02 / cash to close

Bay Area Closing Cost Estimator

Separate down payment from transfer-tax exposure, title/lender fees, prepaid taxes, insurance, reserves, and appraisal-gap buffer.

city transfer-tax seeds reserve planning offer cash read

Estimate closing cash

03 / reference

The Bay Area Housing Cheat Sheet

City medians, affordability prompts, transfer-tax reminders, rent-vs-buy questions, and links into the deeper paid tools.

interactive quick scan email hook

Open the cheat sheet

When free is not enough

Free tools answer “is this worth thinking about?” Paid tools answer “what exactly do we do next?”

$39 Pro Buyer Readiness Pro Calculator Best when you have a real listing, real offer ceiling, RSUs, startup equity, reserves, appraisal gap, and lender questions. $59 bundle Complete BayNest System Best when you need affordability, rent-vs-buy, apartment scoring, neighborhood tradeoffs, and house-hunt project management together.