Free real estate calculators
40 free real estate calculators — no signups, no ads, just the numbers.
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Valuation & Equity
4 tools- Home ValueEstimate a home's fair market value from recent comparable sales. Enter beds, baths, square footage, and comp prices to see a price per square foot estimate.
- Home EquityCalculate how much equity you have in your home right now — including the portion you can actually borrow against.
- Land ValueEstimate raw land value from comparable price per acre or lot size. Adjust for road access, utilities, and topography.
- Renovation ROISee the average resale return on common home improvements: kitchens, bathrooms, roofing, garage doors, and more.
Mortgage & Financing
14 tools- Mortgage PaymentCalculate your monthly mortgage payment including principal, interest, taxes, and insurance. Adjustable term, rate, and down payment.
- Refinance SavingsSee exactly how much you'll save by refinancing to a lower rate, your break-even month, and total lifetime interest savings.
- Closing CostsEstimate your total closing costs — lender fees, title, taxes, prepaid escrow, and everything else the buyer owes at the table.
- Down PaymentSee how much to save for different down payment percentages, how long it will take at your savings rate, and whether you'll owe PMI.
- PMI CalculatorCalculate your monthly PMI, how long you'll pay it, and exactly when you can request removal at 20% equity.
- Amortization ScheduleGenerate a full month-by-month amortization schedule showing how every payment splits between principal and interest across the entire loan term.
- Biweekly PayoffSee exactly how many years biweekly payments chop off your mortgage and the total interest you save versus a standard monthly schedule.
- ARM vs. FixedCompare a 5/1 or 7/1 ARM against a 30-year fixed. See the payment difference during the teaser period and the worst-case monthly payment if rates reset at the cap.
- Cash-Out RefiCalculate how much tax-free cash you can pull out of your home with a cash-out refinance, your new monthly payment, and the true interest cost on the cash.
- HELOC PaymentModel interest-only draw-period payments and the fully amortized repayment phase on a home equity line of credit. Includes max line size based on CLTV.
- Reverse MortgageEstimate the lump sum, monthly payout, or line of credit you qualify for with a HECM reverse mortgage, and the equity remaining for your heirs.
- VA LoanCalculate a VA loan monthly payment with the funding fee rolled in, your eligibility entitlement, and the true cost vs. a conventional loan.
- FHA LoanCalculate an FHA mortgage payment including upfront MIP, annual MIP, and the point where refinancing out of FHA makes sense.
- USDA LoanCalculate a USDA Section 502 guaranteed loan payment with the 1% guarantee fee and 0.35% annual fee. Zero-down for eligible rural and suburban buyers.
Ownership Costs
5 tools- Property TaxEstimate annual property tax based on your home value and state average millage rate. See monthly escrow impact too.
- Moving CostEstimate total moving cost — movers, truck rental, supplies, tips, and hidden fees — for both local and long-distance moves.
- HOA ImpactSee how HOA fees change your real monthly cost, affordability, and the effective price of the home you can afford.
- Home InsuranceEstimate your homeowner insurance premium based on home value, location, and coverage level.
- Interest Tax DeductionEstimate your annual federal tax savings from deducting mortgage interest and property taxes. Accounts for the standard deduction threshold and SALT cap.
Investment Property
11 tools- Rental YieldCalculate gross yield, net yield, and monthly cash flow on a rental property. Accounts for vacancy, maintenance, taxes, and management.
- Flip ProfitCalculate expected profit on a house flip including purchase, rehab, holding costs, and selling costs. Plus the classic 70% rule check.
- Airbnb IncomeEstimate annual short-term rental income from your nightly rate, occupancy rate, and variable costs. See seasonality impact too.
- Investment PropertyCalculate cash-on-cash return, cap rate, and net operating income on any rental property.
- Vacancy ImpactQuantify how every 1% of vacancy eats into your rental cash flow and ROI. See the exact annual revenue loss from turnover and empty months.
- Cap RateCalculate a property's capitalization rate from net operating income and purchase price. See how your cap rate compares to local market benchmarks.
- Cash-on-CashCalculate the true return on the actual cash you invest in a rental — down payment plus closing plus rehab — against your annual pre-tax cash flow.
- 1031 ExchangeEstimate the capital gains tax you defer with a 1031 like-kind exchange, plus the minimum replacement property price to avoid boot.
- Foreclosure DealModel a foreclosure auction purchase — bid price, unpaid liens, redemption period risk, and projected profit after rehab and resale or rent.
- House HackingRun the numbers on a house hack — buy a 2–4 unit or a home with an ADU, rent the other units, and see your net monthly housing cost (often negative).
- BRRRR StrategyModel the full BRRRR cycle — acquisition, rehab, stabilized ARV, cash-out refinance, and the leftover capital you pull out to buy the next deal.
Qualifying & Agents
6 tools- DTI CalculatorCalculate the front-end and back-end DTI ratios lenders actually use to qualify you for a mortgage.
- CommissionCalculate buyer and seller agent commissions on a home sale. Includes the new post-2024 buyer agent agreement math.
- Affordability by CityCompare housing affordability across US cities. Enter your income and see how far it goes in each metro.
- Rent vs. BuyCompare renting to buying side by side. See the exact breakeven month where buying wins, total 10-year cost of each, and opportunity cost of the down payment.
- First-Time BuyerSee the down payment assistance, tax credits, and lower mortgage insurance you qualify for as a first-time buyer and what it saves you at closing.
- Short SaleSee how much of a shortfall your lender will forgive in a short sale, the potential 1099-C tax liability, and your net proceeds (usually zero).
Real math. No spin.
These calculators don't route you to a mortgage broker after you hit "calculate." We don't sell your data. We don't drop pixels. We just do the math and show you the answer so you can make a decision.
For entertainment and education only — not financial, legal, or tax advice.