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Mortgage & Real Estate Calculators

Analyze mortgages, estimate home affordability, and evaluate rental property returns.

Our mortgage and real-estate calculators cover the whole home-buying journey — estimate your monthly payment with taxes, insurance, and PMI; check how much house you can afford; weigh a refinance; and analyze rental-property returns. Each tool shows the amortization or formula behind the result.

Mortgage Calculator

Analyze home loan payments and amortization for mortgages.

Mortgage Refinance Calculator

Compare your current mortgage to a new rate to see your new payment, monthly savings, break-even point, and lifetime interest saved.

HELOC Calculator

Estimate your home-equity borrowing power: available equity, HELOC credit limit, interest-only draw payment, and repayment-period payment.

Rent vs. Buy Calculator

Compare the true multi-year cost of renting versus buying a home — including your mortgage, taxes, upkeep, and home equity — plus the break-even year buying pulls ahead.

Mortgage Recast Calculator

Calculate how a lump-sum principal payment reduces your monthly mortgage payment and total interest after a loan recast.

Home Affordability Calculator

Estimate the maximum home price you can afford based on income, debts, down payment, and lender-style DTI ratios.

Estimate monthly and annual private mortgage insurance cost based on home price, down payment, and PMI rate.

Rental Property Calculator

Analyze any rental property's monthly cash flow, annual NOI, cap rate, and mortgage payment before you buy.

Cap Rate Calculator

Calculate capitalization rate and net operating income for any rental or investment property.

Cash-on-Cash Return Calculator

Calculate annual cash-on-cash return for any rental property based on pre-tax cash flow and total cash invested.

Seller Net Sheet Calculator

Estimate your net proceeds from a home sale after agent commission, closing costs, and mortgage payoff.

Mortgage Calculators

Core tools to estimate payments, check affordability, and understand your mortgage costs.

Mortgage Calculator

Analyze monthly payments, total interest, and full amortization schedules for any home loan.

Home Affordability Calculator

Estimate the max home price you can afford based on income, debts, and down payment.

Estimate monthly private mortgage insurance cost based on your down payment and loan amount.

Mortgage Recast Calculator

See how a lump-sum payment reduces your monthly mortgage payment after a loan recast.

Debt-to-Income Calculator

Calculate your DTI ratio and see how it compares to common mortgage lender thresholds.

Seller Net Sheet Calculator

Estimate your net proceeds from a home sale after commission, closing costs, and payoff.

Mortgage Guides

Practical answers to the most common mortgage questions.

How Much House Can I Afford? Read →

15-Year vs. 30-Year Mortgage Read →

What Affects Your Mortgage Payment? Read →

Income Needed for a House Read →