Real Estate Calculators

Amortization Schedule Calculator

Generate a complete loan amortization schedule showing every monthly payment broken down into principal and interest with running balance. Copy or download as CSV. Free amortization calculator.

Closing Costs Calculator

Estimate your total closing costs when buying or selling a home. See an itemized breakdown of lender fees, title, appraisal, transfer taxes, and more. Free closing cost estimator.

Down Payment Calculator

Calculate how much down payment you need for a home, your monthly mortgage, LTV, and how long it will take to save your down payment. Compare 3%, 5%, 10%, and 20% down.

Home Equity Calculator

Calculate your current home equity, LTV ratio, and how much you can borrow with a HELOC or home equity loan. Free home equity calculator — runs instantly in your browser.

Mortgage Affordability Calculator

Find out how much house you can afford based on your income, monthly debts, down payment, and interest rate. Uses the 28/36 rule and DTI ratios. Free, runs in your browser.

Mortgage Payment Calculator

Calculate your monthly mortgage payment instantly. See principal and interest breakdown, total interest paid, and a full amortization summary. Free, no signup required.

Mortgage Refinance Calculator

Should you refinance your mortgage? Calculate your new monthly payment, monthly savings, break-even point, and total lifetime savings. Free refinance calculator — runs in your browser.

Property Tax Calculator

Calculate your annual and monthly property tax using your home value, assessed value ratio, and mill rate or effective tax rate. Free property tax calculator — no signup needed.

Rent vs Buy Calculator

Should you rent or buy? Compare the true cost of renting vs buying a home year by year, including home appreciation, equity built, investment returns, and net worth impact.

Rental Property ROI Calculator

Calculate rental property ROI including cap rate, cash-on-cash return, gross yield, NOI, and monthly cash flow. Free investment property calculator for landlords and investors.

About These Real Estate Calculators

Buying, selling, or investing in real estate involves some of the largest financial decisions most people will ever make. These free calculators help you run the numbers quickly — whether you are estimating a monthly mortgage payment, deciding between renting and buying, figuring out how much house your income can support, or evaluating a rental property investment.

All calculators run entirely in your browser. Nothing you enter is sent to a server or stored anywhere.

How to Use These Calculators

Each calculator is designed to answer one specific question. For best results:

• Use realistic current interest rates (check your lender or a rate aggregator for today's rates)
• Include all debts when calculating affordability — car payments, student loans, credit cards
• Add property taxes, insurance, and HOA fees to get a true monthly housing cost, not just principal and interest
• Remember that closing costs, moving costs, and immediate repairs are not included in the purchase price

Key Real Estate Terms

Principal — The amount borrowed, excluding interest.

Amortization — The process of paying off a loan through regular payments over time. Early payments are mostly interest; later payments are mostly principal.

LTV (Loan-to-Value) — The loan amount divided by the property value, expressed as a percentage. Lenders use LTV to assess risk. Above 80% LTV typically requires PMI.

PMI (Private Mortgage Insurance) — Insurance required by most lenders when the down payment is less than 20%. It protects the lender, not the buyer, and adds to the monthly payment.

DTI (Debt-to-Income Ratio) — Your total monthly debt payments divided by gross monthly income. Most lenders cap this at 43–45%. Front-end DTI (housing only) is typically capped at 28–31%.

Cap Rate — Used for investment properties: Net Operating Income divided by property value. Higher cap rates generally indicate higher returns but also higher risk.

Frequently Asked Questions

How accurate are these calculators?
The results are accurate for the inputs provided. Real-world mortgage payments also include escrow for property taxes and insurance, which these calculators note separately. Always verify with your lender before making financial decisions.

Should I talk to a financial advisor?
For major real estate decisions, yes. These tools are designed for quick estimates and education, not as a substitute for professional financial or legal advice.