tool,formula_or_method,limitations,version_date Rent target,annual_gross_income / 12 * housing_share / 100 - extras; floor at zero,User-defined budget; not qualification,2026-09-18 Move-in cash,rent + deposit + moving + other,Does not establish legality of charges,2026-09-18 Cash flow,rent * (1 - vacancy/100) - operating_costs - debt_service,Scenario; not forecast,2026-09-18 Commute comparison,rent + housing_extras + travel; hours=one_way_minutes*2*days/60,User inputs; no live route or fare data,2026-09-18 Neighborhood shortlist,Filter user-entered monthly housing quotes against user ceiling,Unpriced areas not assessed; not a ranking,2026-09-18