Three calculators · nothing leaves your phone

The PCS math, automated

Orientation tools, not advice: rough the numbers before any conversation with a landlord, lender, or property manager. All math runs in your browser.

BAH-vs-rent fit

How much allowance is left after rent — remembering BAH is also meant to cover utilities.

Your monthly BAH (from the DTMO calculator) Asking rent for the unit Enter both numbers.

Payment reality check

Rough principal-and-interest on a loan amount — then add taxes, insurance, and (critically on Oahu) the HOA fee yourself. Educational only; not a loan quote.

Loan amount Interest rate % Enter amount and rate (30-year assumed).

Rent-vs-sell napkin (departing owners)

Monthly cash position if you keep the house as a rental. Every input is your data.

Likely market rent Your PITI + HOA Management % of rent Monthly vacancy + maintenance reserve Fill the four lines. Note: Hawaii GET applies to rental income — ask a tax professional what your effective rate does to this number.

Rent vs. buy, roughed

Monthly cost of owning vs renting, plus principal built over your horizon. Ignores appreciation, selling costs, and tax effects — a compass, not a projection.

Comparable monthly rent Purchase price Interest rate % Monthly taxes + insurance + HOA Years you expect to hold Fill all five (zero-down VA assumed).

Seller proceeds, napkin

What a sale roughly nets. HARPTA is withholding against potential tax, not the tax itself — residency status is the whole question (see the PCS-out brief).

Expected sale price Loan payoff Total commission % Other closing costs % Non-resident at closing (HARPTA 7.25% withheld) Fill price, payoff, and the two percentages.

Buyer closing costs, ballparked

Oahu buyer-side closing costs commonly land in a broad band; VA loans also cap certain buyer fees. Ballpark only — your lender's Loan Estimate is the real number.

Purchase price Enter a price for the 1–3% band.

VA funding fee

Per the VA's published schedule (verify current rates at va.gov). The fee is financeable; veterans receiving disability compensation are typically exempt.

Loan amount Usage Down payment Exempt (e.g., receiving disability compensation) Enter loan amount.

PCS budget planner

The monthly picture on island. BAH covers rent AND utilities — this makes that visible.

Monthly BAH Other monthly take-home (pay, spouse income, BAS) Rent Utilities (see the honest preview) Car (payment + insurance + gas) Childcare Fill the six lines.

Get the arrival brief

One useful email when the numbers change — BAH cycle updates, rent-band refreshes, and first word when full service opens. No spam. Leave anytime.