All calculators

Free, no sign-up. Every calculation runs in your browser. How we calculate

Buying and owning a home

• Mortgage calculatorMonthly payment with taxes, insurance, PMI and HOA, plus a full amortization schedule.
• How much house can I affordHome price your income supports under the 28/36 rule, and a stretch figure at 43%.
• Rent vs. buy calculatorWhether buying or renting leaves you with more net worth, and the year buying breaks even.
• Closing cost calculatorItemized buyer closing costs and the total cash you need to close.
• Down payment calculatorDown payment, cash to close, PMI and how long it takes to save, from 3% to 20% down.
• Debt-to-income ratio calculatorFront-end and back-end DTI, and the housing payment that fits 36%, 43% and 50%.
• Refinance calculatorNew payment, monthly savings, break-even month and lifetime cost of a refinance.
• Cash-out refinance calculatorHow much cash you can take out, your new loan and your new payment.
• Home equity loan calculatorHow much you can borrow against your home and the fixed monthly payment.
• HELOC calculatorHELOC interest-only payment, the payment once repayment starts, and total interest.
• Mortgage payoff calculatorInterest and months saved from extra monthly payments or a lump sum.
• Mortgage recast calculatorYour lower payment after a lump-sum recast, compared with prepaying.
• Amortization calculatorMonthly and yearly amortization schedule with principal, interest and balance.
• PMI calculatorMonthly PMI, the month it ends and the total you pay.
• FHA mortgage calculatorFHA payment with 3.5% down and annual mortgage insurance.
• VA mortgage calculatorVA payment with $0 down and no monthly mortgage insurance.
• Biweekly mortgage calculatorPayoff date and interest saved with half-payments every two weeks.

Real estate investing

• Rental property calculatorCash flow, NOI, cap rate, cash-on-cash return and DSCR for a financed rental.
• Cap rate calculatorCap rate from NOI and price.
• DSCR loan calculatorLender-style DSCR (rent ÷ PITIA) and the rent needed for 1.25.
• Cash-on-cash return calculatorAnnual cash flow as a return on the cash you put in.
• NOI calculatorNet operating income with an itemized income and expense statement.
• BRRRR calculatorCash left in the deal after the refinance, cash flow and cash-on-cash return.
• House flipping calculatorFlip profit, return on cash, holding and financing costs, and the 70% rule.