Free Home & Mortgage Calculators

Select your project, pick your state, and get an instant cost estimate with detailed breakdown.

Calculate your monthly mortgage payment including principal, interest, taxes, and insurance.

Estimate your annual homeowners insurance premium based on home value, location, and coverage.

Compare HELOC and personal loan options side by side to find the best financing for your project.

Calculate roof replacement costs based on roof size, material type, and your location.

Compare the cost of energy improvements vs. long-term savings on utility bills.

Find out when refinancing your mortgage will start saving you money.

See how much house you can afford based on your income, debts, and down payment.

See how much cash you can pull from home equity, your new payment and LTV, and whether you exceed the 80% cash-out limit.

Estimate your interest-only HELOC payment during the draw period and the bigger amortizing payment once repayment begins.

See how many years and how much interest you save by adding extra monthly or one-time payments to your mortgage.

Find out if buying discount points is worth it: upfront cost, monthly savings, break-even month, and lifetime savings.

Compare a 15-year vs 30-year mortgage side by side: monthly payment, total interest, and lifetime cost difference.

Calculate front-end and back-end DTI ratios and see how they compare to the 28/36 rule and FHA limits.

Estimate monthly PMI and LTV, and find the month PMI can be requested (80%) and auto-cancels (78%).

Estimate itemized closing costs (~2–5%) and total cash-to-close = down payment + closing costs.

Compare standard vs biweekly payments to see interest saved and years shaved off your loan.

Compare the total cost of renting vs buying over your stay, netting equity at sale, with a break-even year.

Estimate capital gain on a home sale, apply the $250k/$500k exclusion, and see rough federal cap-gains tax.

Estimate annual property tax, monthly escrow, and effective rate from assessed value, mill rate, and exemptions.

Calculate a rental's monthly cash flow, cap rate, cash-on-cash return, and gross yield.

Estimate house-flip profit and ROI, and find your max purchase price using the 70% rule.

Model a BRRRR deal: cash invested, cash pulled out on the refi, cash left in, and post-refi cash flow.

Compute cash-on-cash return from cash invested and annual cash flow, with a sensitivity table.

Project Airbnb gross revenue (ADR × occupancy × 365), net annual income, and monthly cash flow.

Get a low-to-high kitchen remodel cost range by size, quality tier, and layout change.

Estimate flooring material and labor cost by room size and material, with a comparison table.

Estimate net solar cost after the 30% federal ITC, monthly savings, payback years, and 25-year return.