Home Financial Snapshot
Your full monthly picture: principal and interest, escrow, PMI, HOA, utilities and a maintenance reserve — so you see the real cost of ownership, not just the mortgage payment.
For homeowners — not just for agents
Your home is your biggest investment. Start treating it like one.
The Penny Planter shows you what your home actually costs you each month, how much equity you have really built, and what a little extra on your mortgage would save you. Free, in about three minutes, with no credit check.
- No credit check
- No bank linking
- No sales call
Your equity today
+18.4%
$184,250
62% of your home is yours
- True monthly cost
- $2,418
- Interest saved
- $41,900
Illustrative figures
- 3 min to your first snapshot
- 6 tools in one account
- $0 for homeowners, forever
- iOS + Android companion mobile app
The problem
Most homeowners have never seen the real numbers
You get a mortgage statement every month. It tells you what you owe — never what you own, what the house truly costs you, or whether you are actually ahead.
Without a snapshot
- You know your payment, but not your true cost once taxes, insurance, PMI, HOA, utilities and upkeep are counted.
- You guess at your equity from a portal estimate that has no idea what you still owe.
- You have no idea what an extra $150 a month would actually save you in interest.
- Your closing documents, insurance policy and warranties are scattered across email and a drawer.
- A year goes by and nothing gets reviewed.
With The Penny Planter
- One number for what the home really costs you each month, broken down line by line.
- Equity calculated from your actual amortised balance, not a guess.
- A payoff accelerator that puts a dollar figure on every extra payment.
- Every important document in one encrypted vault behind multi-factor authentication.
- A dated annual review so you can see the trend, not just today.
What you get
Six tools, one free account
Start with the calculator. Everything else unlocks the moment you create an account — and it all stays free for homeowners.
Equity & capital gain
How much of your home you actually own today, how that has grown since you bought, and an estimate of the capital gain sitting in it.
Payoff accelerator
Add an extra amount to your monthly payment and see exactly how many years come off the loan and how many dollars of interest you never pay.
Net worth tracker
Your home is only part of the picture. Pull real estate value and mortgage balance in automatically, add other assets and debts, and watch net worth over time.
Document vault
Closing documents, insurance policies, appliance warranties and permits in one place — organised by folder and protected by its own daily verification step.
Annual review
Save a dated checkpoint each year with your own notes. Over time you build a record of how your position has actually improved.
How it works
Three steps. No sales call.
You will not be asked for a credit card, a credit check, or a phone number you did not offer.
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1
Enter your numbers
Purchase price, purchase date, loan balance, rate and term — all on your latest mortgage statement. Estimates are fine to start.
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2
Get your snapshot
A clear report of your true monthly cost, current equity, capital gain and payoff options — on screen instantly, and downloadable as a branded PDF.
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3
Track it over time
Create a free account to save the result, add more properties, track net worth, store documents, and check in once a year.
Mobile app
Your home’s numbers, in your pocket
The Penny Planter app for iOS and Android carries the same calculator, dashboard, net worth tracker and document vault as the website — signed in with the same account, synced automatically.
- Run a snapshot from an open house
- Upload a document by photographing it
- Secure sign-in with a one-time passcode
Net worth
$412,880
Last 6 reviews
For real estate professionals
Give past clients a reason to keep you in their inbox
Set up homeowner accounts for your clients, and they get a dashboard that quietly shows them their equity growing — with your name on it. When they are ready to move, you are already the person they talk to.
- Create and manage client accounts from one portal
- Annual equity reviews that give you a reason to call
- Branded PDF reports you can send in seconds
- Your clients’ data stays on your site, not a third party’s
Security & privacy
We do not sell your data. There is no data to sell.
The Penny Planter does not link to your bank, does not pull your credit, and does not pass your details to lenders or advertisers.
Multi-factor by default
Sign-in can require a one-time passcode sent to your email, and the Document Vault asks again once per day before it opens.
No bank credentials
You type in the numbers you want to track. There is no open-banking connection, so there are no banking logins for anyone to lose.
Your data, your site
Everything is stored in this site’s own database. Delete your account and your records go with it.
Questions
Before you start
Is the Home Financial Snapshot really free?
Yes. The calculator is free to use and always will be, with no credit check and no obligation. You can run it without creating an account at all — you only sign up if you want to save your results and track equity over time.
Will this affect my credit score?
No. The Penny Planter never pulls your credit. Nothing you do here is reported to a credit bureau, because we do not run a credit check at any point — you enter your own numbers and we do the math.
What do I need to get started?
Your purchase price, purchase date, current loan balance, interest rate and loan term. Most people find all of these on their latest mortgage statement. Estimated values are fine — you can refine them later.
How is my equity calculated?
Equity is your estimated current market value minus your outstanding loan balance. We amortise your loan from its origination date to today to work out that balance, and you can override either figure if you have a more accurate number, such as a recent appraisal.
Is my financial information secure?
Your data is stored on our own servers, never sold, and never shared with lenders or advertisers. Accounts support email one-time-passcode multi-factor authentication, and the Document Vault adds a second verification step each day before it will open.
Do you connect to my bank account?
No. There is no bank linking and no open-banking connection. You type in the figures you want to track, which means there are no banking credentials for anyone to lose.