Real Estate Calculators
Calculators for buying and financing a home — down payments, rent vs. buy.
Number of Calculators: 20
What to Know
Buying, renting, and owning property each get their own calculators here rather than one generic "real estate" tool: Mortgage Affordability and Down Payment for the buying decision itself, Rent vs. Buy for the bigger either/or question, and Rental Property, DSCR, and Gross Rent Multiplier for anyone evaluating an investment property specifically.
The Home Buying Journey chains Paycheck through Mortgage Affordability into Mortgage and Debt-to-Income, so your real income and debt numbers carry forward instead of needing to be re-typed at every step. Property Tax and HOA Fee round out the ongoing-cost side once you already own.
- Mortgage AffordabilityEstimate how much home you can afford based on your income, debts, and down payment, using the standard 28/36 rule.
- Rent vs. BuyCompare the long-term net worth of renting vs. buying a home, including mortgage costs, appreciation, and the opportunity cost of your down payment.
- Down PaymentCalculate your down payment amount or percentage, resulting loan size, and whether PMI is likely required.
- Home Equity / HELOCCalculate your home equity and how much you could borrow with a home equity loan or HELOC, based on your lender's maximum loan-to-value ratio.
- Rental PropertyEstimate a rental property's monthly cash flow, cap rate, and cash-on-cash return from its price, financing, rent, and expenses.
- DSCRCalculate the Debt Service Coverage Ratio (DSCR) lenders use to judge whether an income property generates enough net income to cover its loan payments.
- Debt YieldCalculate a commercial loan's debt yield -- Net Operating Income divided by loan amount -- a rate-independent risk metric lenders use alongside DSCR.
- Gross Rent MultiplierCalculate a property's Gross Rent Multiplier (GRM) -- price divided by gross annual rental income -- a quick screening ratio for comparing rental properties.
- Home Sale ProceedsEstimate how much cash you'll actually receive after selling your home, after agent commission, closing costs, and your remaining mortgage balance.
- Home Improvement ROIEstimate the percentage of a renovation project's cost you'd recoup at resale, based on the project cost and its estimated added home value.
- Property AppreciationProject a home's future value forward using a compound annual appreciation rate, over any number of years.
- Rent IncreaseFind your new rent from a percentage increase, or find the percentage increase from a new rent amount -- plus the monthly and yearly dollar impact.
- Security DepositEstimate a security deposit from monthly rent and a multiplier, and calculate the refund due after move-out deductions.
- Rent SplitSplit rent fairly among roommates based on each person's room size or any other fair-split weight, not just an even divide.
- HOA FeeProject the true long-run cost of a homeowners association fee, including annual increases, and see how it affects your overall housing affordability.
- FHA / VA LoanEstimate your monthly payment on an FHA or VA loan, including each program's own upfront and ongoing mortgage insurance fees.
- Mortgage PayoffSee how switching to biweekly mortgage payments (plus an optional one-time extra payment) speeds up your payoff and cuts total interest.
- Closing CostsEstimate the one-time fees due at closing on a home purchase, separate from the down payment.
- Property TaxEstimate your annual property tax from your home's market value, assessment ratio, and local tax rate.
- Home Replacement CostEstimate what it would cost to rebuild your home from scratch at today's construction prices -- the figure your homeowners insurance dwelling coverage should match.
Guided Journeys
Some of these calculators are also part of a guided journey — a connected chain that carries your numbers forward automatically. A journey may include steps from other categories too.
Home Buying Journey
Start Journey →Buying a home means juggling several numbers at once: your take-home pay, how much house that actually affords, what the monthly mortgage payment will really cost, and whether your other debts leave enough room for a lender to approve you. This journey walks through all four in order, carrying each answer into the next calculator so you never have to look up or retype a figure you've already given us.
- Estimate Your Take-Home Pay
- See How Much Home You Can Afford
- Calculate Your Monthly Payment
- Check Your Debt-to-Income Ratio