{
  "name": "Planning tool definitions",
  "edition": "Philadelphia",
  "scope": "Philadelphia city starter neighborhoods",
  "publisher": "Homzora Team",
  "version": "1.0",
  "dateModified": "2026-09-22",
  "limitations": "Reference compilation, not observed housing market statistics. Third party sources retain their own terms.",
  "rows": [
    {
      "tool": "Monthly budget",
      "formula": "rent + utilities + recurring fees + transport",
      "limitation": "User inputs, not market averages"
    },
    {
      "tool": "Cash before moving",
      "formula": "first rent + refundable deposit + fees + moving + overlap",
      "limitation": "Does not determine legality of charges"
    },
    {
      "tool": "Commute cost",
      "formula": "round trip cost * travel days + parking",
      "limitation": "Does not predict journey time"
    },
    {
      "tool": "Property cash flow",
      "formula": "rent * (1 - vacancy percent / 100) - operating costs - debt payment",
      "limitation": "Before income tax; inputs must include reserves"
    }
  ]
}