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13 free calculators

Real Estate Calculators

Real estate calculators for homebuyers and investors. Calculate mortgages, down payments, cap rates, rental yields, and loan-to-value ratios.

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Cap Rate Calculator
Calculate cap rate for investment properties. NOI divided by value. Free real estate cap rate calculator.
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Closing Costs Calculator
Calculate home closing costs for buyers and sellers. Title, origination, taxes, and escrow estimates.
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Debt-to-Income (DTI) Ratio Calculator
Calculate debt-to-income ratio for mortgage qualification. Front-end and back-end DTI. Free DTI calculator.
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Debt-to-Income Calculator
Calculate your debt-to-income ratio. See if you qualify for a mortgage. DTI calculator with guidelines.
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Down Payment Calculator
Calculate down payment by home price. See impact on monthly payment and PMI. Free down payment calculator.
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HELOC Payment Calculator
Calculate HELOC payments and total interest. Draw period and repayment period estimates. Free HELOC calculator.
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Home Equity Calculator
Calculate home equity, LTV ratio, and HELOC borrowing power. Current value minus mortgage balance.
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Loan-to-Value (LTV) Calculator
Calculate loan-to-value ratio. See PMI requirements and refinance eligibility. Free LTV calculator.
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PMI Calculator
Calculate PMI cost by loan amount and down payment. See when PMI drops off. Free PMI calculator.
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Property Tax Calculator
Calculate annual property tax by home value and tax rate. Monthly escrow estimate. Free property tax calculator.
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Refinance Break-Even Calculator
Calculate mortgage refinance break-even point. Monthly savings vs closing costs. Free refinance calculator.
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Rent Affordability Calculator
Calculate how much rent you can afford by income. 30% rule and 50/30/20 budget method. Free rent calculator.
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Rental Yield Calculator
Calculate rental property yield and cash flow. Gross and net yield with expenses. Free rental calculator.

For Homebuyers

Buying a home involves dozens of financial calculations. How much can you afford? What will your monthly payment be? How much do you need for a down payment? What are closing costs? These calculators answer every question in the homebuying process — from initial budgeting through closing day. Use the DTI Calculator to check if you'll qualify, and the Down Payment Calculator to plan your savings timeline.

For Real Estate Investors

Investment property analysis requires different math. The Cap Rate Calculator compares properties on an unlevered basis. The Rental Yield Calculator projects cash flow with financing. The LTV Calculator shows your equity position and refinance eligibility. These are the same metrics professional real estate investors use to evaluate every deal.

Frequently Asked Questions
How much house can I afford?
The standard guideline: housing costs (mortgage + taxes + insurance + HOA) should stay under 28% of gross monthly income, with total debt under 36%. On a $90,000 income, target a housing payment under $2,100/month. Use our How Much House Calculator for a detailed analysis.
What is a good cap rate for investment property?
4-5% in expensive cities (NYC, SF) where appreciation drives returns. 5-7% in suburban markets with balanced risk/return. 7-10% in secondary markets with higher cash flow but less appreciation. Above 10% signals either a great deal or high risk — investigate carefully.