Mortgage & Property

Calculate your monthly mortgage payment with taxes, insurance, PMI, and HOA. Free, instant results at the interest rate you enter.

Calculate FHA loan payments including upfront MIP (1.75%) and annual MIP premiums. See when MIP drops off. Free, instant results based on 2026 FHA limits.

Find out how much house you can afford based on income, debts, down payment, and the mortgage rate you enter. Free, instant results with DTI ratio breakdown.

Calculate VA loan payments with funding fee for eligible veterans and service members. No down payment, no PMI required. Free, instant results at the rate you enter.

Analyze rental property investments. Calculate cash flow, cap rate, cash-on-cash return, and ROI with all expenses.

Should you refinance? Calculate new payment, monthly savings, break-even point, and total interest savings over the life of the loan.

Estimate annual property tax with homestead exemption and assessment ratio. See monthly equivalent.

Compare total cost of renting vs buying over 5-30 years. Find the break-even year for your market.

Estimate buyer or seller closing costs including origination, title insurance, appraisal, and agent commission.

Generate a full amortization table showing principal, interest, and balance for every payment. See impact of extra payments.

Calculate the cost and savings of buying mortgage points. See break-even month and total interest savings.

Calculate private mortgage insurance cost and when it will be removed. Compare 20% down vs lower down payment with PMI.

Calculate current home equity, LTV ratio, and HELOC borrowing power based on home value and mortgage balance.

Calculate HELOC payments for draw and repayment periods. See max available credit and total interest cost.

Calculate agent commission on a home sale. See listing and buyer agent splits and seller net proceeds.

Calculate net rental income after vacancy, management, maintenance, insurance, taxes, and mortgage.

Estimate Airbnb income from nightly rate and occupancy. See expenses and break-even occupancy rate.

Calculate tax deferred in a 1031 exchange. See boot, depreciation recapture, and minimum replacement price.

Calculate state and city transfer taxes on a home sale. See who pays in your state.

Calculate capitalization rate from NOI and property value. Compare to market averages by property type.

Calculate GRM to quickly evaluate rental property value relative to gross rent.

DSCR for a rental property loan (rent ÷ PITIA) with the rent needed and the largest loan at 1.00 and 1.25, or commercial DSCR from net operating income.

Calculate fix-and-flip profit, ROI, and the 70% rule maximum offer price.

Calculate cash-on-cash return for rental property investments. Compare to stock market returns.

Calculate total and annualized ROI from cash flow and appreciation, plus cash-on-cash return and equity built over your hold period.

See how biweekly payments save years and thousands in interest vs monthly payments.

Calculate mortgage prepayment penalty for early payoff or refinancing.

Calculate recommended earnest money deposit for your home purchase by price and market.

Annual depreciation for residential (27.5-year) or commercial (39-year) rentals with the mid-month convention, and the tax when you sell: depreciation recapture up to 25% plus capital gains.

Estimate accelerated depreciation from cost segregation. See year 1 deduction and ROI on study.

Calculate adjustable-rate mortgage payments with rate caps. See worst-case scenario vs fixed rate.

Calculate jumbo loan payments above the $832,750 conforming limit. Compare to conventional rates.

Calculate maximum mortgage from income and debts. Uses 28/36 DTI rules.

Calculate construction loan interest and permanent mortgage payments. See draw schedule.

Calculate bridge loan cost when buying before selling your current home.

Check if a tenant qualifies using the 3x income rule and DTI screening.

Calculate Airbnb/VRBO profitability with nightly rate, occupancy, and all expenses.

Estimate home appraisal cost by property type.

Estimate home inspection cost by size and age with recommended add-on tests.

Project HOA costs over time with annual increases. See total paid over your ownership period.

Calculate property management costs including management fee, leasing fee, and maintenance markup.

Estimate total eviction cost including court fees, attorney, lost rent, and turnover.

Calculate the maximum security deposit by state, with the return deadline and interest rules.

Calculate seller proceeds after mortgage payoff, commission, transfer tax, and closing costs.

Itemize buyer closing costs including origination, title, inspection, and prepaid items.

Calculate commercial rent for NNN, gross, or modified leases with CAM and escalation.

Calculate occupancy and vacancy rates for rental or hospitality properties.

Calculate down payment amount and loan balance at different percentage levels (3% to 20%).

Calculate home price per square foot and compare to national averages.

Split property value into land and building for depreciation basis calculation.

Calculate net effective rent after free months or concessions over the lease term.

See how your mortgage payment splits between principal and interest over time.

Compare HELOC (variable, draw period) vs Home Equity Loan (fixed) side by side.

Calculate new mortgage payment and cash received from a cash-out refinance.

Compare 3 mortgage rates side by side on monthly payment, total interest, and total cost.

Calculate taxable rental income after expenses, depreciation, and mortgage interest.

Compare home warranty plans vs self-insuring for home repairs.

Estimate title insurance costs for owner and lender policies by state.

Calculate buyer and seller property tax shares at closing from annual tax and closing date.

Calculate monthly PMI cost and when it will be removed based on LTV.

Calculate home equity loan payment from the amount, rate, and term.

Estimate reverse mortgage proceeds for homeowners 62+ based on home value and age.

Assess flood risk from elevation vs base flood elevation and insurance impact.

Calculate annual home maintenance budget (1-2% of value) with category breakdown.

Compare two neighborhoods on price, taxes, schools, and commute side by side.

Calculate break-even months for buying mortgage points from cost and monthly savings.

Calculate refinance break-even from closing costs and monthly savings.

Check state down payment assistance eligibility for first-time buyers and estimate the assistance and remaining loan.

Calculate the VA loan funding fee based on your down payment and whether it is your first VA loan.

Estimate New York City closing costs for condos, co-ops and houses: mortgage recording tax, mansion tax, NYC and NYS transfer taxes, title insurance, sponsor sales and CEMA savings.