Mortgage & Real Estate Calculators

About Mortgage & Real Estate calculators

A mortgage payment has four main parts, often called PITI: principal, interest, property taxes and homeowners insurance. Lenders may add private mortgage insurance (PMI) when your down payment is under 20%, and some neighborhoods add HOA fees. Every tool in this category lets you include those extras so the number matches what you will really pay each month.

Use the affordability, debt-to-income and rent calculators before you shop to set a realistic budget. Use the mortgage, amortization and payoff calculators to compare loan terms and see how extra payments shorten the loan. The FHA, VA, home equity and HELOC calculators cover special loan types, and the rental property and rent vs. buy tools help you judge an investment.

Beyond payments, the real estate tools cover investing: cap rate, net operating income, cash-on-cash return, gross rent multiplier, rental property cash flow and the 70% rule for flips. Commission, closing-cost, prorated rent, earnest money and gift-of-equity calculators handle the transaction itself, and the ARM, interest-only, jumbo, PMI, points and refinance tools compare loan structures.

Understanding home financing

Buying or financing a home involves a handful of numbers that interact: the price, the down payment, the interest rate, the loan term and the ongoing costs of ownership. The mortgage calculator combines them into a monthly payment, while the amortization calculator shows how each payment is split between interest and principal.

Costs beyond the loan

Property taxes, homeowners insurance, mortgage insurance, association dues and maintenance all add to the monthly cost of owning. Lenders also look at your debt-to-income ratio and your savings, so check what you can afford with the house affordability calculator before you start house hunting.

Changing the loan later

Once you own, you may want to lower the rate, shorten the term or borrow against your equity. The refinance calculator and the mortgage payoff calculator help you compare those choices with the loan you already have.

What you can calculate

• Mortgage Calculator: Estimate your monthly mortgage payment with taxes, insurance, PMI, HOA and extra payments, plus a full payoff schedule.
• Amortization Calculator: See every payment split into principal and interest for any loan, with yearly or monthly schedules and extra payments.
• Mortgage Payoff Calculator: Find out how much sooner you can pay off your mortgage and how much interest you save with extra payments.
• House Affordability Calculator: Estimate the most expensive home you can afford from your income, debts, down payment and interest rate.
• Rent Calculator: Find how much rent you can afford, or the income you need for a specific monthly rent.
• Debt-to-Income Ratio Calculator: Calculate your front-end and back-end DTI ratios and see how lenders may view them.
• Real Estate Calculator: Estimate monthly costs, cash needed, equity and your net gain or loss from buying and later selling a property.
• Refinance Calculator: Compare your current loan with a new one to see monthly savings, break-even time and total savings.
• Rental Property Calculator: Analyze a rental property: cash flow, cap rate, cash-on-cash return and long-term profit.
• APR Calculator: Find the true APR of a loan after upfront fees and discount points.
• FHA Loan Calculator: Estimate FHA mortgage payments including the upfront and annual mortgage insurance premiums (MIP).
• VA Mortgage Calculator: Estimate VA loan payments including the VA funding fee, with no monthly PMI.
• Home Equity Loan Calculator: Calculate how much equity you can borrow against and the fixed payment on a home equity loan.
• HELOC Calculator: Estimate your credit line, interest-only payments in the draw period and payments in the repayment period.
• Down Payment Calculator: See how much you need for a down payment and closing costs, and how much to save each month.
• Rent vs. Buy Calculator: Compare the long-term net worth of buying a home versus renting and investing the difference.
• Cap Rate Calculator: Compute capitalization rate: net operating income as a percent of property value.
• Net Operating Income Calculator: Compute NOI from rental income, vacancy and operating expenses.
• Cash On Cash Return Calculator: Measure yearly pre-tax cash flow against the cash you invested.
• Gross Rent Multiplier Calculator: Compare a property price with gross annual rent.
• ARV Calculator – After Repair Value: Estimate after-repair value and the maximum offer using the 70% rule.
• What To Offer On A House Calculator: Suggest an offer price from asking price, comparables and market heat.
• Down Payment Calculator Plus: Find the down payment for a target percentage and see its effect on the loan.
• Earnest Money Calculator: Estimate earnest money deposit from price and market norms.
• Gift of Equity Calculator: Compute the gift of equity when a family member sells below market value.
• Home Value Calculator: Estimate a home’s value from its size and the price per square foot of comparable recent sales, then adjust for condition and features.
• Jumbo Loan Calculator: Compute the payment on a loan above conforming limits and see the extra amount.
• LTV Calculator — Loan to Value: Compute loan-to-value ratio and combined LTV.
• PMI Calculator: Estimate private mortgage insurance cost and when it can be removed.
• Mortgage Points Calculator: Test whether buying discount points pays off.
• Biweekly Mortgage Calculator: See how paying half the monthly payment every two weeks shortens a mortgage.
• Bi-Weekly Mortgage Payment Calculator: Compute the exact biweekly payment for a mortgage.
• Interest-Only Mortgage Calculator: Compare interest-only payments with the amortizing payment after the interest-only period.
• ARM Mortgage Calculator: Estimate how an adjustable-rate mortgage payment changes after the fixed period.
• Mortgage Comparison Calculator: Compare two mortgage offers by payment, interest and cost to a horizon.
• Mortgage Rate Calculator: Find the interest rate from a loan amount, term and monthly payment.
• Mortgage Penalty Calculator: Estimate the prepayment penalty on a mortgage using three months’ interest or IRD.
• Simple Mortgage Calculator: Quick monthly payment from home price, down payment, rate and term.
• Pag-IBIG Housing Loan Calculator: Estimate a Pag-IBIG housing loan payment in pesos.
• Occupancy Rate Calculator: Compute occupancy rate and revenue per available unit.
• ADR Calculator: Compute average daily rate for a hotel or short-term rental.
• AFFO Calculator — Adjusted Funds From Operations: Compute AFFO from FFO after recurring capital spending and straight-line rent.
• Commercial Lease Calculator: Compute rent for a commercial lease with escalations and operating charges.
• Net Effective Rent Calculator: Compute net effective rent after free months and concessions.
• 3x Rent Calculator: Check the income you need to meet a 3x rent requirement.
• Rent Increase Calculator: Compute a new rent after a percentage increase.
• Prorated Rent Calculator: Compute rent for a partial month.
• Rent or Buy Calculator: Compare the net cost of buying with the rent you would pay over the same years.
• Price Per Square Foot Calculator: Compute price per square foot of a property.
• Price per Square Meter Calculator: Compute price per square meter of a property.
• Real Estate Commission Calculator: Compute commissions and net proceeds on a home sale.
• Realtor Commission Calculator with VAT: Compute agent commission including VAT.
• Rental Commission Calculator: Compute a letting agent’s commission on a rental.
• True Cost of Real Estate Commission Calculator: See how commission and fees reduce what a seller keeps.
• Mortgage Acceleration Calculator: See how an extra monthly payment shortens the loan.

Frequently asked questions

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