Real Estate & Mortgage Calculators
Free, private financial tools for rental property investors, home buyers, and real estate owners. Analyze capitalization rates, calculate complete mortgage payments with taxes and PMI, optimize your down payment, and evaluate rent vs. buy trade-offs. All calculations run client-side in your browser.
Property ROI Calculator
Analyze leveraged rental property deals with cash flows, cash-on-cash return, IRR, and total exit ROI.
Calculate NowCap Rate Calculator
Calculate rental property cap rates from NOI and purchase price, or reverse-solve for property value.
Calculate NowMortgage Calculator
Calculate your monthly mortgage payment (PITI + PMI + HOA) with full amortization schedule.
Calculate NowDown Payment Calculator
See how your down payment affects loan size, monthly payment, and whether you will pay PMI.
Calculate NowMortgage Affordability Calculator
See how much home you can afford based on income, debt, and down payment.
Calculate NowClosing Cost Calculator
Estimate buyer and seller closing costs, title fees, transfer taxes, and cash to close by state.
Calculate NowRent vs Buy Calculator
Compare renting vs. buying a home to find your break-even point and evaluate opportunity costs.
Calculate NowRefinance Calculator
Compare your current mortgage to a refinanced loan to find potential savings.
Calculate NowNet Worth Tracker
Track assets and liabilities to monitor your net worth over time.
Calculate NowMaking Smarter Real Estate Investment Decisions
Real estate represents the single largest asset class in most wealth-building journeys. Whether you are acquiring your first primary residence or building a cash-flowing residential rental portfolio, accurate financial underwriting is essential:
- Model Leveraged Rental Deals: Use the Property ROI Calculator to evaluate financed acquisitions, monthly cash flows, Cash-on-Cash returns, IRR, and total equity at exit.
- Underwrite Unleveraged Yields: Use the Cap Rate Calculator to evaluate unleveraged rental yields or solve for fair market purchase prices from target returns.
- Size Your Debt & Cash Requirements: Use the Mortgage Calculator and Down Payment Calculator to model total monthly PITI obligations, PMI removal timelines, and settlement cash requirements.
- Compare Renting vs Buying: Use the Rent vs Buy Calculator to model opportunity costs of investing equity into the stock market vs home equity appreciation.