Describe a task in plain English and the Toolkit either opens the right calculator or hands it to the Advisor to work it out — mortgage, affordability, closing costs, commissions, deductibles, rebuild cost and more, all in one place.
Who this is for: every account type — Home Buyers, Sellers, Agents, Lenders, and Insurance pros. Where: the Toolkit tab (/toolkit). Time: ~2 min to your first answer.
New here? Do Getting started first (signup, terms, your first property check).
What the Toolkit does for you
The Toolkit is a single "what do you need to do?" surface. Instead of hunting through a menu, you type a task — "estimate my monthly payment", "what can I afford on $140k income", "split a commission on a $625k sale" — and it answers two ways:
- Instant calculators. The best-matching tool opens right there, pre-built and interactive — no waiting, no cost.
- Ask the Advisor. Press Enter and the Advisor takes the whole question, runs the numbers with live data, and can take the next step (open a Record, search a property, draft a message).
Every result is a modeled estimate for planning — decision support, not a binding quote, appraisal, or approval.
How to use it
- Open the Toolkit tab.
- Type your task in the ask bar, or tap one of the Try examples / Top picks.
- Open a tool from the matches to use the calculator yourself, or press Enter to let the Advisor answer.
- Tools you use recently move to the top so they're one tap away next time.
You can also deep-link straight to a tool — the Advisor and dashboard shortcuts open the Toolkit already on the right calculator.
The calculators
| Tool | Answers | For |
|---|---|---|
| Mortgage Payment | Full PITI with insurance modeled per peril | Buyers |
| Affordability | The max home price you can afford under a DTI cap | Buyers |
| Closing Costs | Itemized closing costs by state and loan type | Buyers |
| Property Tax | Annual / monthly tax at your county rate | Buyers |
| Moving Cost | Estimated move cost by distance and home size | Buyers |
| Commission | Your net commission after referral and split | Agents |
| DTI / LTV | Front/back DTI, LTV, PMI, and a qualify verdict | Lenders |
| Wind / Hail Deductible | Your out-of-pocket on a percentage deductible | Insurance |
| Replacement Cost | Rebuild cost and a suggested dwelling limit | Insurance, Buyers |
Ask the Advisor these in plain English too — "what's a 2% hurricane deductible on a $450k dwelling" — and it runs the same math and explains the answer.
Tools that connect to your systems
Some tools work against a live 3rd-party system — your MLS, a loan origination system like Encompass, an agency management system, e-signature, or a data provider. Those tools show what they do and a Connect button that takes you to Sys Admin → Integration Hub to link that exact system. Once connected, the tool runs against your real data.
Connecting external systems is a Professional-plan capability. If you're on a lower plan, the tool shows the upgrade path. See Connect a system and Integrations.
CoverGuard never fabricates 3rd-party data. A connector tool activates only against a connection you make.
Tips
- Press / anywhere on the page isn't needed — just start typing in the ask bar.
- Short keywords work best for matching a tool ("payment", "afford", "license"); full sentences are great for the Advisor.
- Save a mortgage scenario to compare options side by side later.
Troubleshooting
- "No exact tool match." Try a shorter keyword, or press Enter to let the Advisor take the question.
- A tool asks me to connect a system. That tool needs live data from your MLS/LOS/AMS — connect it in Sys Admin, or ask your team owner to.
- The Advisor isn't available. On the mobile app the Advisor is off by design — the Toolkit opens the best calculator instead.
Do this next
- Run the Mortgage calculator with real insurance.
- Set up Saved-search alerts so new matches find you.
- Explore the CoverGuard Advisor — it can run any Toolkit calculator from a plain-English question.