Real Estate Calculators

Monthly payment, full amortization schedule, the true lifetime cost of interest, and how extra payments shorten your loan.

Whether refinancing pays off: the new payment, the break-even point on closing costs, and the term-reset interest trap.

How much house you can afford using real front-end and back-end DTI ratios — and which one is actually limiting your budget.

A true opportunity-cost comparison: invested down payment, appreciation, full ownership costs, and the year buying pulls ahead.

Your available credit from home equity, and the payment shock when the interest-only draw period flips to amortizing repayment.

Whether buying discount points pays off — the upfront cost, the lower payment, and the break-even month you must pass to win.

Your monthly PMI and the full cancellation timeline — the 80% point you can request it gone and the 78% automatic cutoff.

FHA payment with upfront and annual MIP — including the catch that with under 10% down, MIP never cancels for the life of the loan.

An itemized estimate of buyer closing costs — and the total cash to close you actually need to bring to the table.

Qualify a rental on its cash flow: the DSCR from rent and expenses, whether it clears the lender target, and the max loan it supports.

Prorated rent for a partial month by all three methods (actual days, 30-day, annualized) so you can match your lease.

Cap rate on a rental property — net operating income over price, the unlevered yield used to value real estate — plus the implied NOI multiple

Net operating income — effective gross income after vacancy, less operating expenses, before mortgage and tax — the driver of cap rate and cash-on-cash

The pre-tax return on the actual cash you put into a rental — cash flow after the mortgage divided by money invested — the levered counterpart to the cap rate.

The price-to-gross-rent multiple — how many years of gross rent equal the purchase price — the fast back-of-envelope screen for shortlisting rental deals.

Gross and net rental yield on an investment property — annual rent as a percentage of value, before and after running costs — for comparing income across properties.

Your new rent after a percentage increase — the monthly bump and what it adds up to over a full year, so a “small” rise doesn’t catch you out.

The good-faith deposit on a home offer — a percentage of the purchase price, credited toward your down payment at closing, with notes on when it’s at risk.

Price per square foot from price and area — the great equaliser for comparing homes of different sizes against neighbourhood comps.

Monthly payment, total interest, and total cost on a land or lot loan — which typically carry higher rates and shorter terms than a home mortgage.

Half-payments every two weeks make 13 full payments a year — the interest saved and years cut, modeled both as a true biweekly schedule and as the extra-principal equivalent.

Recast, prepay, or do nothing — what a lump sum does to your mortgage under each path: the new recast payment, the interest saved, and which choice wins on cash flow vs total cost.

What a seller actually walks away with — sale price minus mortgage payoff, commission, closing costs, transfer tax, concessions, and prep, itemized as a seller net sheet.