Calculator collection
Home and Mortgage Planning Calculators
Compare mortgage payments, affordability, closing costs, PMI, refinancing, taxes, rent-vs-buy scenarios, and down-payment assumptions before making housing decisions.
- Step-by-step workflow
- Links to existing calculators
- Use results as estimates
Suggested workflow
Step 1
Set an affordability range
Start with income, debt, down payment, and monthly budget before looking at a specific property.
When to use
Use these before shortlisting homes or comparing rent with buying.
Step 2
Estimate monthly ownership cost
Add mortgage payment, PMI, property tax, insurance, HOA, and extra-payment assumptions.
When to use
Use these when a listing price looks affordable but the full payment is unclear.
Step 3
Check upfront and loan costs
Compare closing costs, APR, refinance break-even, and amortization before treating a payment as final.
When to use
Use these when fees, points, term length, or refinance timing could change the decision.
Step 4
Compare the decision path
Use rent vs buy, square-foot price, and savings goals to compare ownership with alternatives.
When to use
Use these before deciding whether buying now beats waiting or renting longer.
Practical takeaway
Affordability is not only mortgage payment. Compare rent, cash needed at closing, taxes, PMI, insurance, and timeline together.
Comparison note
Mortgage affordability estimates a purchase range, mortgage payment tests monthly cost, and rent vs buy compares ownership with an alternative.
Calculators in this collection
Home Affordability
Estimate an affordable home price from income, debts, down payment, rate, taxes, insurance, and HOA.
Real EstateMortgage Payment
Estimate mortgage payment, PMI, taxes, insurance, extra payments, interest, and payoff timeline.
Real EstateClosing Costs
Estimate buyer closing costs from home price, loan amount, percentage costs, fees, prepaid items, and credits.
Real EstatePMI
Estimate private mortgage insurance cost from home price, down payment, loan amount, and PMI rate.
Real EstateExtra Mortgage Payment
Estimate interest saved and payoff time from extra monthly mortgage principal payments.
Real EstateAmortization Schedule
Estimate monthly payment, first-year principal and interest, total interest, and payoff schedule summary.
Real EstateRefi Break-Even
Estimate refinance monthly savings, closing costs, break-even time, and interest comparison.
Real EstateMortgage APR
Estimate mortgage APR from note rate, loan amount, term, points, lender fees, and finance charges.
Real EstateRent vs Buy
Compare renting and buying over a chosen time horizon using cash costs, equity, appreciation, and selling costs.
Real EstateProperty Tax
Estimate annual and monthly property tax from value, assessment ratio, exemptions, and tax rate.
Real EstatePrice per Sq Ft
Calculate home price per square foot and compare it with another property or local benchmark.
Real EstateDown Payment
Estimate down payment, closing costs, shortfall, and savings timeline for a home purchase.
Real EstateRent Affordability
Estimate affordable rent based on income, debts, and target rent ratio.
Real EstateLoan Payment
Estimate monthly loan payments, total interest, and total repayment.
FinanceSavings Goal
Estimate how long it may take to reach a savings goal.
FinanceRelated categories
Collection FAQ
Which home calculator should I start with?+
Start with home affordability for a purchase range, then use mortgage payment, closing costs, PMI, and property tax to estimate monthly and upfront costs.
How do I compare buying with renting?+
Use rent vs buy after estimating mortgage payment, property tax, insurance, maintenance, closing costs, selling costs, and the time you expect to keep the home.
Should I look at APR or payment first?+
Use payment for monthly budget fit and APR for loan-cost comparison. A low payment can still be expensive if points, fees, or term resets are high.