Real estate calculators
6 free tools
Buying or owning a home comes down to a handful of numbers most people never see until closing. These tools break out what you can afford, what the fees add up to, when PMI drops off, and how much equity you're sitting on — so nothing at the table catches you off guard.
Estimate the fees you'll owe at closing — origination, title, taxes, and flat costs — as a total and a share of the home price.
Work out the home price and monthly payment you can afford from your income, debts, and down payment using the lender's 28/36 rule.
Work out your home equity, your loan-to-value percentage, and how much you could tap with a HELOC at your lender's combined LTV cap.
Find your monthly and annual private mortgage insurance, plus the loan balance where you reach 20% equity and can have PMI removed.
Estimate your yearly and monthly property tax from the assessed value, using either your county's mill rate or a straight tax percentage.
See the maximum rent you can comfortably afford from your income using the 30% rule and the stricter 3x rent-to-income check.
Frequently asked questions
Do I need down-payment and mortgage calculators too?
Those live over in Finance and cover the generic payment math. The tools here go a layer deeper into the real-estate side: the 28/36 affordability rules, PMI cancellation, closing costs, property tax by mill rate, and HELOC room. Use both together.
Are these estimates or exact figures?
They're well-grounded estimates. Real closings carry lender-specific fees, local tax rules, and rate quotes that shift things a little. Use these to plan and compare, then confirm the exact numbers on your loan estimate and settlement statement.
Which one should I run first?
If you're shopping, start with the Home Affordability Calculator to set your ceiling. Renting instead? The Rent Affordability Calculator does the same job. Already own? The Home Equity Calculator shows what you've built and could borrow against.