Real Estate Tools
Calculators for mortgages, property analysis, and home buying decisions
Mortgage Calculator
Calculate monthly mortgage payments with taxes and insurance
Affordability Calculator
Find out how much house you can afford
Rent vs Buy
Should you rent or buy? Compare the costs
Refinance Calculator
Is refinancing worth it? Calculate potential savings
Down Payment
Plan your down payment savings timeline
Property ROI
Calculate return on investment property
Rental Yield
Calculate gross and net rental yield
Stamp Duty
Estimate property transfer taxes
Renovation ROI
Will your renovation project pay off?
Moving Cost
Estimate your moving expenses
About Our Real Estate Calculators
Buying a home is one of the biggest financial decisions you'll ever make. Our real estate calculators help you understand the true costs of homeownership, from monthly mortgage payments to property taxes, insurance, and maintenance.
Whether you're a first-time buyer wondering how much house you can afford, an investor analyzing rental property returns, or a homeowner considering refinancing, our tools provide the insights you need to make confident decisions backed by real numbers.
Understanding Mortgages
A mortgage is a loan specifically for purchasing real estate, where the property itself serves as collateral. Monthly payments typically include principal (the amount borrowed), interest (the cost of borrowing), property taxes, and homeowner's insurance — collectively known as PITI.
Even a small difference in interest rates can mean tens of thousands of dollars over a 30-year mortgage. Our mortgage calculator shows the full amortization schedule so you can see exactly where each payment goes.
The Rent vs Buy Decision
The decision to rent or buy depends on far more than just comparing monthly payments. You need to factor in property appreciation, tax benefits of mortgage interest deductions, maintenance costs, opportunity cost of the down payment, and how long you plan to stay in the area.
Generally, buying makes more financial sense if you plan to stay for 5+ years, but every market is different. Our rent vs buy calculator helps you model your specific situation with real numbers.
Property Investment Analysis
Investment properties can generate passive income through rental yields and build wealth through appreciation. But the real return depends on purchase price, financing costs, rental income, vacancy rates, property management, maintenance, and tax implications.
Our property ROI and rental yield calculators help you evaluate potential investments before committing capital, comparing different properties on an apples-to-apples basis.
Home Affordability Guidelines
Lenders typically use the 28/36 rule: your monthly housing costs shouldn't exceed 28% of gross income, and total debt payments shouldn't exceed 36%. These guidelines help ensure you can comfortably afford your home without becoming “house poor.”
Our affordability calculator applies these ratios to your income and existing debts to give you a realistic price range before you start house hunting.