Real estate math, done right.
Free calculators for US home buyers, investors, and agents, with no sign-up. Every answer in plain words, every formula shown, every number worked out in your browser.
A sample deal: a $140,000 house, $35,000 of rehab, refinanced at 75% of a $240,000 appraisal at 6.875%.
It cash-flows $180 a month and leaves $9,600 of your money in it.
- All-in cost
- $185,100
- Capital recovered
- 95%
- Mortgage, P&I
- $1,182/mo
- Equity at refinance
- $60,000
Nine calculators, one question each
Each tool answers a single question in a sentence, then shows the figures, charts, and formulas behind it. The numbers on the right are what each one prints for its sample scenario.
For home buyers
- K-02
FHA vs. Conventional
Which loan costs me less, month to month and over the whole term?Which loan costs me less, month to month and over the whole term?$6 / mosample gap, conv. lower - K-05
Mortgage Calculator
What will this home cost me every month, and how much of it is interest?What will this home cost me every month, and how much of it is interest?$2,842 / mosample payment - K-06
Home Affordability Calculator
How much house can I afford on my income, debts, and savings?How much house can I afford on my income, debts, and savings?$330,604on a $100,000 income - K-09
Rent vs. Buy Calculator
Will buying leave me richer than renting, and after how many years?Will buying leave me richer than renting, and after how many years?Year 7sample breakeven - K-10
Refinance Calculator
Will refinancing save me money before I move, counting the closing costs?Will refinancing save me money before I move, counting the closing costs?26 monthssample break-even - K-11
Closing Cost Calculator
How much cash do I need at closing, beyond the down payment?How much cash do I need at closing, beyond the down payment?$12,775sample costs, 3.2% of price - K-12
HELOC Calculator
How much can I borrow against my home, and what will the payments be?How much can I borrow against my home, and what will the payments be?$125,000sample credit line
For investors
- K-01
BRRRR Calculator
Will this rental pay me after the refinance, and how much of my cash stays in it?Will this rental pay me after the refinance, and how much of my cash stays in it?$180 / mosample cash flow - K-03
MAO Flip Estimator
What is the most I can offer on this flip and still hit my profit?What is the most I can offer on this flip and still hit my profit?$200,196sample max offer - K-04
Rental Property Depreciation
How much can I deduct each year for wear on my rental building?How much can I deduct each year for wear on my rental building?$8,945 / yrsample deduction - K-07
DSCR Loan Calculator
Will the rent cover this loan well enough for a DSCR lender?Will the rent cover this loan well enough for a DSCR lender?1.28sample DSCR - K-08
Cap Rate & Rental ROI Calculator
What does this rental earn on its price, and on the cash I put in?What does this rental earn on its price, and on the cash I put in?6.3%sample cap rate
Every figure shows its working
Each headline number carries a note mark. Follow it and you land on the formula, worked with your own numbers, the way US lenders and the IRS count them.
Cash left in the deal N2
$9,600
95% of your capital comes back at refinance
N2Refinance and cash left in deal
Cash left = All-in − (Loan − Refi closing costs)
= 185,100 − (180,000 − 4,500) = 9,600
The same engine prints the sample above, the worked example in each guide, and every number you see in the tool.
Every calculator, in every state
Each state edition starts from that state's typical home price, rent, property tax, and insurance, with notes on local rules. Pick a state, then a plan number, or see every state ranked.
- Alabama010203040506070809
- Alaska010203040506070809
- Arizona010203040506070809
- Arkansas010203040506070809
- California010203040506070809
- Colorado010203040506070809
- Connecticut010203040506070809
- Delaware010203040506070809
- District of Columbia010203040506070809
- Florida010203040506070809
- Georgia010203040506070809
- Hawaii010203040506070809
- Idaho010203040506070809
- Illinois010203040506070809
- Indiana010203040506070809
- Iowa010203040506070809
- Kansas010203040506070809
- Kentucky010203040506070809
- Louisiana010203040506070809
- Maine010203040506070809
- Maryland010203040506070809
- Massachusetts010203040506070809
- Michigan010203040506070809
- Minnesota010203040506070809
- Mississippi010203040506070809
- Missouri010203040506070809
- Montana010203040506070809
- Nebraska010203040506070809
- Nevada010203040506070809
- New Hampshire010203040506070809
- New Jersey010203040506070809
- New Mexico010203040506070809
- New York010203040506070809
- North Carolina010203040506070809
- North Dakota010203040506070809
- Ohio010203040506070809
- Oklahoma010203040506070809
- Oregon010203040506070809
- Pennsylvania010203040506070809
- Rhode Island010203040506070809
- South Carolina010203040506070809
- South Dakota010203040506070809
- Tennessee010203040506070809
- Texas010203040506070809
- Utah010203040506070809
- Vermont010203040506070809
- Virginia010203040506070809
- Washington010203040506070809
- West Virginia010203040506070809
- Wisconsin010203040506070809
- Wyoming010203040506070809