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How our calculators work

How Florida Budget Guide builds, tests and labels its cost estimates.

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What our corrected tools calculate

The city comparison, move report, hidden-cost checker and service quote comparator use figures you enter. They do not retrieve address-level insurance prices, citywide cost estimates, credit decisions or property valuations. City and neighborhood names identify your scenarios; they are not a price lookup.

Inputs are evidence, not official rates

Unsupported city presets have been withdrawn. Blank costs mean unknown, not free. Enter zero only after checking that a charge does not apply. Record the provider or document and its date. User-entered sources and manual checkboxes are not independently verified by this site.

Comparable totals

Monthly and annual totals must use matching time periods and scope. Insurance premiums are normalized to a year using the stated policy period. Deductibles are contingent out-of-pocket exposure and are shown separately, not added to the normal premium. A lower entered price is not a recommendation about coverage, legal representation, clinical treatment or lending.

Cash, spending and reserves

The move report distinguishes recurring spending, nonrefundable move-in expenses, deposits or down payments, and reserve targets. Money kept in a reserve has not been spent. A cashflow surplus is not an independently validated affordability score or loan approval. Taxes, debt payments, savings goals and incomplete costs can change your decision.

Saving and printing

When you choose Save progress, these tools store the entries locally in this browser. They are not synced across devices or protected from other people using the same browser profile. Clearing site data can erase them. Print / Save as PDF opens your browser’s print function; there is no separate certified report or professional review.

Coverage and limitations

Four tools have undergone calculation and interaction repairs. Selected audience, location and professional-cost guides have substantive research worksheets. Other legacy pages remain short planning briefs, and legacy calculators may include illustrative examples; they have not all undergone the same detailed review. Published dates and working links do not establish that a figure is current or that a page is indexed by Google.

Official verification resources

Official resource links checked October 24, 2026. They are lookup resources, not evidence for an assumed dollar amount. Complete a lookup yourself and confirm the result with the relevant office.