Mortgage & Real Estate Calculators
Figure monthly payments, affordability, refinancing, closing math and rental returns before you talk to a lender.
Core Mortgage
- Mortgage Payment CalculatorCalculate your monthly mortgage payment with principal, interest, property tax, homeowners insurance, PMI and HOA, plus…
- Amortization Schedule CalculatorCreate a full loan amortization schedule by month or year showing payment, principal, interest, extra payments and…
- How Much House Can I Afford?Estimate how much house you can afford from income, debts, down payment and rate using 28/36 debt-to-income limits,…
- FHA Mortgage CalculatorCalculate an FHA mortgage payment with up-front and annual MIP (HUD 2023 rates), taxes, insurance and HOA, plus how…
- VA Mortgage Calculator with Funding FeeCalculate a VA loan payment with the VA funding fee (2023 rates) for purchases, cash-out refinances and IRRRLs, first…
- USDA Mortgage CalculatorCalculate a USDA guaranteed loan payment with the 1% up-front guarantee fee and 0.35% annual fee, taxes, insurance and…
- Jumbo Mortgage CalculatorCheck whether a loan is a jumbo loan under the 2026 conforming loan limits ($832,750 baseline, up to $1,249,125 in…
- Interest-Only Mortgage CalculatorCalculate interest-only mortgage payments, the payment after the interest-only period ends, and total interest compared…
- ARM CalculatorEstimate adjustable-rate mortgage payments after the fixed period, with initial, periodic and lifetime rate caps, in a…
- 15 vs. 30 Year Mortgage CalculatorCompare 15-year and 30-year mortgages (or any two terms): monthly payments, total interest, equity built and an…
- Biweekly Mortgage Payment CalculatorCompare biweekly and monthly mortgage payments: biweekly payment amount, years saved, interest saved and the…
- Extra Payment and Early Payoff CalculatorSee how extra monthly, yearly or one-time payments shorten your mortgage or loan, with months saved, interest saved and…
- Balloon Loan CalculatorCalculate a balloon mortgage or loan payment and the balloon balance due at the end, with interest paid and principal…
Refinance & Equity
- Refinance Break-Even CalculatorSee if refinancing your mortgage saves money: new payment, monthly savings, break-even point on closing costs, and…
- Cash-Out Refinance CalculatorCalculate how much cash you can take out with a cash-out refinance, the new loan amount and payment, and the true cost…
- Home Equity Loan and HELOC CalculatorCalculate how much you can borrow against your home, and the payment on a home equity loan or a HELOC during and after…
- Mortgage Recast vs Refinance CalculatorCompare recasting a mortgage (paying a lump sum and re-amortizing at the same rate) with refinancing to a new rate, by…
Buying & Owning
- Rent vs. Buy CalculatorCompare renting and buying a home over the years you plan to stay: monthly costs, equity, investment of the savings,…
- Down Payment CalculatorCalculate a home down payment amount or percentage, the loan amount, whether PMI applies, and how long it would take to…
- Mortgage Points Break-Even CalculatorFind out if buying mortgage discount points pays off: cost of points, monthly savings, break-even month and net savings…
- Debt-to-Income Ratio CalculatorCalculate your front-end and back-end debt-to-income (DTI) ratios for a mortgage and compare them with common 28/36,…
- Loan-to-Value (LTV) CalculatorCalculate loan-to-value (LTV), combined LTV (CLTV) and HCLTV for a mortgage or home equity loan, your equity, and how…
- Property Tax CalculatorCalculate yearly and monthly property tax from market value, assessment ratio, exemptions and the tax rate in percent…
- House Flipping Profit CalculatorEstimate house flipping profit and ROI from purchase price, rehab, holding and financing costs, and sale price, with…
Investment Property
- Rental Property Cash Flow CalculatorAnalyze a rental property: cash flow, NOI, cap rate, cash-on-cash return, gross rent multiplier and the 1% rule from…
- Cap Rate CalculatorCalculate the capitalization (cap) rate of an investment property from NOI and value, or the property value from NOI…
- BRRRR CalculatorAnalyze a BRRRR rental deal (buy, rehab, rent, refinance, repeat): cash left in the deal, cash-out refinance amount,…
- 1031 Exchange Deadline CalculatorFind your 1031 exchange 45-day identification deadline and 180-day exchange deadline from the sale date, including the…