Real Estate calculators
Mortgage, affordability, stamp duty, and rental-yield calculators for the eight markets we cover. Every rate is reconciled against the relevant lender or tax authority.
All real estate tools
29 tools, each runs locally in your browser. Click any card to open it.
Calculate if you can really afford a house in your local market factoring in complex DTI ratios and local taxes.
1% Rule Rental Property Calculator takes home price, down payment, rate, term, taxes and returns the matching 1% rule …
1031 Exchange Calculator takes filing status, wages, deductions, credits and returns the matching 1031 exchange result…
Auto Refinance Calculator computes break-even months, monthly savings, lifetime savings from current balance, current …
Balloon Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs …
Bi-Weekly Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Run…
BRRRR Calculator takes home price, down payment, rate, term, taxes and returns the matching brrrr result. Runs entirel…
Buy vs Rent Break-Even takes home price, down payment, rate, term, taxes and returns the matching buy vs rent break-ev…
Cap Rate Calculator takes home price, down payment, rate, term, taxes and returns the matching cap rate result. Runs e…
Cash-on-Cash Return Calculator takes home price, down payment, rate, term, taxes and returns the matching cash-on-cash…
refinance vs heloc, cash out refinance vs heloc, heloc or refinance, home equity loan vs refinance, second mortgage co…
Down Payment Savings Calculator takes home price, down payment, rate, term, taxes and returns the matching down paymen…
HOA Fee Impact Calculator takes home price, down payment, rate, term, taxes and returns the matching hoa fee impact re…
Home Affordability Calculator computes maximum affordable home price from income, debts, down payment, rate, term, DTI…
Mortgage Affordability Calculator computes maximum home price you can afford from income, debts, down payment, rate, t…
Mortgage Amortization Table computes monthly payment, total interest, amortization from loan amount, rate, term. Runs …
Mortgage Extra Payment Calculator computes months saved, interest avoided from loan amount, rate, term, extra monthly …
Mortgage Points Calculator computes break-even months, lifetime savings from loan amount, points cost, rate without/wi…
Mortgage Recast Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs e…
Mortgage Refinance Break-Even computes break-even months, lifetime savings from current rate, new rate, closing costs,…
Property Tax Calculator takes home price, down payment, rate, term, taxes and returns the matching property tax result…
Real Estate Agent Commission takes home price, down payment, rate, term, taxes and returns the matching real estate ag…
30% rule: rent under 30% of gross. NYC reality: 50%+.
Rent vs Buy takes home price, down payment, rate, term, taxes and returns the matching rent vs buy result. Runs entire…
Rental Property ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding p…
Approximate state-wise stamp duty + registration on property purchase.
🇮🇳 India Real Estate LTCG with Section 54 Exemption takes home price, down payment, rate, term, taxes and returns th…
Canada mortgage stress test 2026, +2% qualifying rate, GDS TDS, CMHC, FHSA HBP stacking canada mortgage stress test ca…
28/36 Rule Mortgage DTI Calculator takes home price, down payment, rate, term, taxes and returns the matching 28/36 ru…
About real estate
Real estate calculators cover the full home-buying and investing math: mortgage payments (P&I, PITI, PMI/LMI), affordability (28/36 rule, max purchase price for a given DTI), rent vs buy break-even, stamp duty across 8 jurisdictions, refinance break-even with closing costs, rental property cap rate and cash-on-cash return, the 1% / 2% / 50% / 70% rules, 1031 exchange basis tracking, and HELOC vs cash-out refinance comparisons.
Use these tools when you're sizing a mortgage payment including taxes and insurance, deciding whether to put 5% down with PMI or 20% down without, modeling a rental property's NOI and cap rate before bidding, comparing a 15-year vs 30-year mortgage for total interest paid, or running the math on a refinance to know how many months until break-even.
Sources: Freddie Mac PMMS for US mortgage rates, Bank of England base rate for UK, RBA cash rate for Australia, RBI repo rate for India, plus state and provincial transfer-tax schedules. Each tool cites the formula and links the underlying rate.
Common use cases
Real scenarios where the real estate calculators in this category earn their keep.
Mortgage affordability sanity check
Compute the maximum purchase price that keeps your front-end DTI under 28% and back-end under 36%, given your income, current debts, down payment, rate, and property tax + insurance.
Rent vs buy across 10 years
Compare the all-in cost of renting (rent + insurance + opportunity cost on the down payment) vs buying (mortgage interest + property tax + insurance + maintenance + opportunity cost + appreciation).
Rental property cap rate
Cap rate = NOI / purchase price. The rental property calculator builds NOI from gross rent minus vacancy, repairs, property management, insurance, taxes, and HOA. Sanity-check against the 1% rule.
Refinance break-even
(Closing costs) / (monthly savings) = months to break even. The refinance calculator runs this against the new rate, term, and points to tell you whether refi makes sense at your remaining tenure.
1031 exchange basis
Track the deferred basis when swapping investment property A for property B. The 1031 calculator handles boot, recognized gain, and the carryover basis in the replacement property.
Key terms
Glossary for the formulas and conventions these tools use.
- PITI
- Principal + Interest + Taxes + Insurance. The full monthly housing cost a lender uses for DTI, not just the loan payment.
- DTI
- Debt-to-Income ratio. Front-end DTI = PITI / gross income. Back-end DTI = (PITI + all other debt) / gross income. Conventional caps: 28% / 36%.
- PMI / LMI
- Private Mortgage Insurance (US) or Lenders Mortgage Insurance (Australia). Required when LTV exceeds 80%. Falls off at 78% (PMI auto, FHA differs).
- Cap rate
- Capitalisation rate. NOI divided by property purchase price. Quick measure of unleveraged return. 5-8% is typical for residential rentals in Tier 1 US markets.
- Cash-on-cash return
- Annual pre-tax cash flow divided by total cash invested. Captures the effect of leverage where cap rate does not.
- Stamp duty
- Transfer tax on property purchase. Banded in UK (SDLT), Scotland (LBTT), Australia (state-by-state), Singapore (BSD + ABSD). The calculator picks the right schedule by jurisdiction.
- 1031 exchange
- US tax-deferred swap of one investment property for another like-kind property within 45 + 180 day windows. Defers capital gains; does not eliminate them.
Frequently asked questions
Short answers to the most common real estate questions.