Real Estate Calculators — Mortgage, Rent vs Buy, Affordability, HELOC

🏠 Mortgage Calculator

Calculate your full monthly payment including P&I, PMI, property tax, and insurance (PITI).

Home Price ($)

Down Payment ($)

Interest Rate (%)

Loan Term (yrs)

Annual Property Tax ($)

Annual Home Insurance ($)

Total monthly payment (PITI)

Principal & Interest

Property Tax

Home Insurance

PMI (if <20% down)

Total Interest Paid

Total Cost of Home

💰 Home Affordability Calculator

Find out how much house you can afford based on income, debts, and down payment.

Annual Gross Income ($)

Monthly Debt Payments ($)

Down Payment ($)

Interest Rate (%)

DTI Limit (%)

Maximum home price

Max Monthly Payment

Loan Amount

Front-End DTI Limit

Your DTI

🤔 Rent vs Buy Calculator

Compare the true 5-year cost of renting vs buying to make the right decision for your situation.

Home Purchase Price ($)

Monthly Rent (current) ($)

Down Payment (%)

Mortgage Rate (%)

Home Appreciation (%)

Years in Home

Over your time horizon

5-Year Cost of Renting

5-Year Cost of Buying

Home Equity Built

Net Advantage

🔄 Refinance Calculator

Find your refinance break-even point and total savings over the life of the new loan.

Current Loan Balance ($)

Current Rate (%)

New Rate (%)

Remaining Term (yrs)

New Term (yrs)

Closing Costs ($)

Monthly savings

Break-Even Point

New Monthly Payment

5-Year Savings

Lifetime Savings (net)

📋 Closing Costs Calculator

Estimate the total closing costs you'll need at closing when buying a home.

Home Purchase Price ($)

Down Payment ($)

State (closing cost varies)

Estimated total closing costs

Origination Fee (~1%)

Title & Settlement

Appraisal & Inspection

Recording & Transfer Taxes

Prepaid Items (insurance, tax)

Cash Needed at Closing

💵 Down Payment Calculator

Calculate down payment amounts, required savings timeline, and how down payment affects your loan.

Home Price ($)

Down Payment Percent (%)

Current Savings ($)

Monthly Savings ($)

Down payment required

Loan Amount

PMI Required?

Months to Save (at current rate)

Target Date

🏘️ Rental Property Cash Flow

Analyze the monthly cash flow, cap rate, and annual return on a rental property investment.

Purchase Price ($)

Monthly Rent Income ($)

Monthly Mortgage Payment ($)

Monthly Expenses (tax, ins, mgmt) ($)

Down Payment ($)

Monthly cash flow

Annual Cash Flow

Cap Rate

Cash-on-Cash Return

Gross Rent Multiplier

🏠 Home Equity Calculator

Calculate your current home equity, LTV ratio, and available credit line.

Current Home Value ($)

Original Purchase Price ($)

Remaining Mortgage Balance ($)

Other Liens ($)

Total home equity

LTV Ratio

Appreciation Gained

HELOC Available (80% LTV)

Cash-Out Refi Available

📅 Amortization Calculator

See the full amortization schedule and how extra payments accelerate payoff.

Loan Amount ($)

Interest Rate (%)

Term (years)

Extra Monthly Payment ($)

Monthly payment

Total Interest (standard)

Total Interest (w/ extra)

Interest Saved

Time Saved

💳 HELOC Payment Calculator

Calculate interest-only and fully-amortizing payments for a Home Equity Line of Credit.

HELOC Amount ($)

Interest Rate (%)

Draw Period (yrs)

Repay Period (yrs)

Interest-only draw period payment

Repayment Phase Payment

Total Interest Cost

Total Repaid