Housing Calculators
A mortgage is likely the largest loan you will ever take. These tools show what a payment really costs, and how extra principal or a shorter term can save years of interest.
Mortgage Calculator Calculate your true monthly payment with principal, interest, tax, insurance, PMI, and HOA, and see when PMI drops off. Mortgage Payoff Calculator See how much time and interest you save by adding extra principal to your mortgage payment each month. Rent vs Buy Calculator Compare renting and buying by ending net worth, counting the return you could earn by investing the down payment and monthly savings instead. Home Affordability Calculator Find the home price your income supports, using the front-end and back-end debt-to-income limits that lenders apply. Refinance Calculator See how much refinancing saves each month, how long it takes to earn back the closing costs, and the effect over the life of the loan. Biweekly Mortgage Calculator See how paying half your mortgage every two weeks pays it off years early, saves interest, and removes PMI sooner by reaching 20 percent equity faster. ARM vs Fixed Mortgage Calculator Compare an adjustable-rate and a fixed mortgage, weighing the lower intro payment against the payment shock and extra interest at reset. Auto Loan Calculator Find your monthly car payment and the total interest you will pay from the vehicle price, your down payment and trade-in, the rate, and the term. Rental Property ROI Calculator Analyze a rental with the numbers investors use, the net operating income, monthly cash flow, cash-on-cash return, and cap rate. Cap Rate Calculator Find a property cap rate and net operating income from the rent, vacancy, and operating expenses, the yield you can compare across deals. Rental Cash Flow Calculator See a rental true monthly cash flow after the mortgage, vacancy, and every operating expense, so you know if it pays for itself. The 1% Rule Calculator Check a rental against the 1% rule, the fast screen where monthly rent should be at least 1 percent of the all-in cost. Fix and Flip Calculator Run a flip with the 70% rule, seeing the maximum offer, the projected profit after every cost, and the return on the project. BRRRR Calculator Model a BRRRR deal, seeing how much the refinance pulls back out, what stays in the deal, and the resulting cash-on-cash return. Home Sale Net Proceeds Calculator Find what you actually walk away with from a home sale after the mortgage payoff, commission, closing costs, and repairs. Lease vs Buy Car Calculator Compare leasing and buying a car over the same term, netting the buy cost against resale value to see which is cheaper. 1031 Exchange Calculator See how much capital gains tax and depreciation recapture a 1031 exchange defers when you swap investment properties. Rental Depreciation Calculator Calculate the annual depreciation deduction on a rental and the recapture tax owed when you sell. Short-Term Rental Calculator Estimate the annual cash flow of a short-term rental from the nightly rate, occupancy, fees, and fixed costs. House Hacking Calculator See how renting out rooms or units offsets your mortgage, and how much you save versus renting elsewhere.