HomeIQ
by Shoeb

Look closer.
Buy smarter.

Free home-buying analyzer for the US, India & UAE — true monthly cost, honest buy-vs-rent break-even, and a straight buy / don't-buy verdict. Runs entirely in your browser.

PrivateNo sign-up, no tracking
CoverageUS · India · UAE
🏠 Your buy / don't-buy verdict will appear here — enter the home's numbers above.
Automatic guide based on your inputs (cash, take-home comfort, lender ratio, buy-vs-rent break-even) — not financial advice.

Monthly Payment & Affordability

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Total monthly (all-in)
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Loan amount
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Cash needed at closing
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Reserve after closing
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% of take-home
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Lender DTI (gross)
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If rates move

Stress: payment if rate +2%
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Reserve runway if income stops
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Itemized breakdown

Principal & interest—
PMI—
Property tax—
Home insurance—
HOA—
Total / month—

% of take-home pay

Payment breakdown

Principal vs Interest

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Month-1 interest
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Month-1 principal
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Total interest over loan
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Total of all payments
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Month-1 payment split

Yearly interest vs principal

Cumulative interest vs principal (labelled each year)

Equity Milestones & Early Payoff

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20% equity / PMI droppable
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Loan half paid off
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Total interest (no extras)
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Pay extra whenever you have cash

Combine any of the three — everything below updates live.

$0
New payoff time
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Time saved
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Interest saved
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PMI droppable (with extras)
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Loan balance over time

At 80% LTV (balance ≤ 80% of the purchase price) you must request PMI removal from your servicer; it terminates automatically at 78% LTV if you're current on payments.

Buy vs Rent — Should You Buy?

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7 yr
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Home value when you sell
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Cash in hand after selling
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Total cost of owning
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Total cost of renting
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Buying vs renting (net)
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Buying advantage vs renting — by years you stay

Above the dashed line buying wins; below it renting wins.

Location, Schools & Shopping

Loads automatically from the address above — map, schools by level, and nearby shopping.

Pick an address at the top of the form, then open this tab — everything loads on its own.

Compare Homes & Get a Recommendation

Fill the form, click 📊 Add to Compare (top of the form), repeat for each home or financing option — then compare here. Green cells mark the best value per row. Comparisons are saved in this browser.

About

HomeIQ · Built by Shoeb · Look closer. Buy smarter.

Home-buying math shouldn't live in a lender's black box.

HomeIQ gives you the full picture in seconds — punch in a property, get the numbers and a straight answer. No spreadsheets, no guesswork, no sales pitch.

💵
True all-in monthly costEvery line, not just principal & interest.
📈
What actually builds equityHow much of each payment is really yours.
🛡️
When PMI can goThe exact month you hit 20% — and how to get there sooner.
⚡
What early payoff savesYears and interest cut by paying extra.
⚖️
Buy vs rent, honestlyA real break-even year for your numbers.
🌍
US · India · UAELocal rules, currencies and costs — including Dubai off-plan.
🔒 Your numbers stay with you. Everything is calculated in your browser — your address, income, and prices are never sent to a server, and saved comparisons live only on this device. No cookies, no tracking, no sign-up. I collect anonymous counts of which features get used (never any value you type) so I know what to improve.

Estimates only — not lending, legal, or tax advice.

© 2026 Shoeb. All rights reserved. "HomeIQ"™, its logo and the tagline "Look closer. Buy smarter." are marks of Shoeb. Personal, non-commercial use permitted; copying, rebranding or redistribution without written permission is prohibited.