Financial tool map
Mortgages & housing
Home loans, affordability, refinancing, rent, and property costs.
Choose the tool whose inputs and output match your task. Check each calculator’s assumptions and limitations before using its result.
Latest update:
These tools cover the home-money arc: what you can borrow, what the monthly payment really costs, and whether refinancing or renting changes the math. Start with the mortgage calculator, which combines principal, interest, taxes, insurance, HOA dues, and PMI into one payment estimate. Use the down payment calculator to turn a home price into cash needed, loan amount, and loan-to-value. When a purchase is uncertain, the rent-or-buy calculator compares both paths; if you already own, the mortgage refinance calculator tests whether a new loan beats your current one. Find related debt, savings, and budget tools in the Financial collection.
91 of 91 calculators
Mortgages & housing91 calculators
10/1 ARM Mortgage Calculator
Estimate a 10/1 adjustable-rate mortgage with ten fixed years, annual resets afterward, a lifetime cap, payment range, interest, and total payments.
Updated
Verified
28/36 Rule Calculator
Check mortgage affordability with the 28/36 rule by comparing housing costs and total monthly debt with gross monthly income.
Updated
3x Rent Calculator
Calculate the gross monthly and annual income needed for the 3x rent rule, then compare your income with the rent a landlord may require.
Updated
Actual Cash Value Calculator
Estimate actual cash value by subtracting straight-line depreciation from replacement or purchase cost, capped at zero.
Updated
Appliance Depreciation Calculator
Estimate the depreciated value of a household appliance from its purchase price, age, useful life, and salvage value using straight-line depreciation.
Updated
Verified
ARM Mortgage Calculator
Model an adjustable-rate mortgage with a fixed introductory period, annual rate changes, a lifetime cap, payment range, total interest, and added costs.
Updated
ARV Calculator (After Repair Value)
Estimate after repair value from current value plus repair uplift or comparable sales, then apply an investor purchase rule to set a maximum offer.
Updated
Auto Loan Calculator
Estimate car loan monthly payment, sales tax, total interest, total payments, and total cost after down payment.
Updated
Verified
Balloon Payment Calculator
Estimate the fixed monthly payment, remaining balloon balance, total repayment, and interest on a loan with a large final payment.
Updated
Bi-Weekly Mortgage Payment Calculator
Estimate a true 26-payment bi-weekly mortgage plan, including the half-payment amount, accelerated payoff time, interest saved, and extra principal impact.
Updated
Biweekly Mortgage Calculator
Estimate interest saved by making 26 accelerated half-payments per year, with optional extra principal, compounding choices, payoff time, and total paid.
Updated
Boat Loan Calculator
Estimate a boat loan payment with down payment, APR, and term, then compare total interest, amount financed, and full marine financing cost.
Updated
Verified
Bond Current Yield Calculator
Calculate bond current yield by dividing annual coupon income by the current bond price, with coupon-per-period detail.
Updated
Bond Yield Calculator
Compare coupon yield, current yield, annual coupon income, coupon frequency, and a quick approximate yield to maturity for a plain coupon bond.
Updated
Budget Calculator: Monthly Income vs Expenses Planner
Plan a monthly budget from take-home income, expenses, savings, and debt payments, then see net income, total expenses, savings rate, and each category's share of income.
Updated
Verified
Build vs Buy Calculator
Compare the financial case for building software in house with buying or outsourcing it, including salary overhead, maintenance, annual savings, and payback time.
Updated
Cap Rate Calculator
Calculate a real estate capitalization rate from annual net operating income and property value, then compare the result with a 6 percent value check.
Updated
Capital Gains Tax UK Calculator
Estimate UK Capital Gains Tax with the annual exempt amount, basic and higher CGT rates, trust treatment, and after-tax profit for taxable gains.
Updated
Car Lease Calculator
Estimate a monthly car lease payment from MSRP, selling price, residual value, money factor, tax, fees, down payment, rebates, and trade-in credit.
Updated
Car Refinance Calculator
Compare an existing auto loan with a replacement refinance loan by monthly savings, interest savings after fees, total payment savings, and break-even.
Updated
Carry Trade Calculator
Estimate the calculator's carry trade profit from interest-rate spread, exchange-rate movement, settlement days, and invested amount.
Updated
Cash Ratio Calculator
Calculate the cash ratio from cash, cash equivalents, and current liabilities to measure the strictest layer of short-term liquidity before receivables or inventory.
Updated
Cash-Out Refinance Calculator
Estimate maximum net cash from a cash-out refinance, requested loan-to-value, equity left, and the new principal-and-interest payment.
Updated
Commercial Lease Calculator
Estimate commercial lease annual rent, monthly rent, base rent, operating expenses, total rate, and agent fee from rentable area and per-square-foot rates.
Updated
Coupon Payment Calculator
Calculate a bond's coupon payment per period, annual coupon dollars, payment count, and current yield from face value, coupon rate, frequency, and market value.
Updated
Current Ratio Calculator
Calculate the current ratio from current assets and current liabilities, including working capital and assets per dollar of liabilities.
Updated
Debt Consolidation Calculator
Compare current debts with a single consolidation loan, including payment change, payoff time, interest difference, and total cost difference.
Updated
Debt to Income (DTI) Calculator
Calculate a housing-inclusive debt-to-income ratio from gross monthly income and recurring debt payments, with lending context and limits.
Updated
Verified
Defensive Interval Ratio Calculator
Calculate defensive interval days from cash, marketable securities, receivables, operating expenses, and non-cash charges to estimate liquidity runway.
Updated
Dividend Yield Calculator
Calculate dividend yield from annual dividend per share and share price, with a 100-share income estimate and guidance for interpreting stock income yields.
Updated
Verified
Down Payment Calculator
Convert a home price and down payment percentage into cash down, remaining loan amount, and loan-to-value ratio.
Updated
DSCR Calculator (Debt Service Coverage Ratio)
Calculate debt service coverage ratio from monthly income, vacancy, operating expenses, loan amount, rate, and term with lender-style interpretation.
Updated
Earnest Money Calculator
Estimate an earnest money deposit from a property price and good-faith deposit percentage, then see the price not covered by the deposit.
Updated
FFO Calculator (Funds From Operations)
Calculate REIT Funds From Operations, FFO per share, and the exact operating adjustments used by this calculator: net income plus real-estate D&A and sale losses, minus sale gains and interest income.
Updated
Verified
FHA Loan Calculator
Estimate an FHA mortgage payment with down payment, principal and interest, upfront mortgage insurance, annual MIP, and scheduled payments.
Updated
Gift of Equity Calculator
Calculate the equity gifted in a below-market home sale, including buyer cash down payment, total equity, LTV, and annual exclusion assumptions.
Updated
Gross Rent Multiplier Calculator
Calculate gross rent multiplier from property price, gross monthly rent, other recurring income, and an optional vacancy allowance for rental screening.
Updated
Home Affordability Calculator
Estimate a maximum home price from income, monthly debt, down payment, mortgage rate, taxes, insurance, and lender-style debt ratios.
Updated
Home Loan Calculator
Calculate a fixed-rate home loan payment, total repayment, and total interest from loan amount, interest rate, and term.
Updated
Home Loan EMI Calculator
Estimate a home loan EMI, principal after prepayment, total interest, and total amount payable from loan amount, rate, tenure, and prepayment.
Updated
Home Mortgage Calculator
Estimate a buyer-focused monthly home mortgage payment with principal, interest, property tax, insurance, HOA dues, PMI, loan amount, and total interest.
Updated
Interest Rate Parity Calculator
Estimate a covered or uncovered interest rate parity exchange rate from spot, term, and two annual currency interest rates.
Updated
Interest-Only Mortgage Calculator
Estimate the interest-only payment, later amortizing payment, payment jump, interest during both periods, and total paid on an IO mortgage.
Updated
Investor Scenario Subtraction Worksheet
Subtract user-defined renovation, additional, and profit reserves from a user-defined property scenario value.
Updated
Verified
Jumbo Loan Calculator
Estimate jumbo mortgage payments, loan amount, down payment percentage, total interest, total repayment, and whether the loan exceeds the conforming limit.
Updated
Land Loan Calculator
Estimate an amortized land loan payment, down payment, loan value, total interest, and payoff total from land value, rate, term, and payment frequency.
Updated
Lease Calculator
Estimate monthly lease payment, total lease payments, total interest, and cost to own from product value, down payment, residual value, term, and annual interest rate.
Updated
Lease Mileage Calculator
Forecast lease-end mileage, excess miles, mileage overage charge, current driving pace, and monthly savings needed before turn-in.
Updated
LTV Calculator (Loan to Value)
Calculate loan-to-value, combined LTV, estimated loan amount, down payment percentage, equity, and PMI threshold gap.
Updated
Margin Call Calculator
Estimate the share price where a margined stock position falls below maintenance margin, plus current equity, loan, margin percentage, and shortfall.
Updated
Money Factor Calculator
Convert lease money factor to equivalent APR, or APR to money factor, using the standard 2400 lease conversion multiplier.
Updated
Mortgage Acceleration Calculator
Compare monthly overpayments, accelerated biweekly payments, and accelerated weekly payments to estimate mortgage interest saved and payoff time shortened.
Updated
Mortgage Amortization Calculator
Inspect a fixed-rate mortgage amortization schedule by payment number, including balance, principal, interest, cumulative totals, total interest, and total principal and interest.
Updated
Mortgage Calculator
PopularEstimate a fixed-rate mortgage payment with principal, interest, taxes, insurance, HOA dues, PMI, extra payments, payoff time, and total interest.
Updated
Verified
Mortgage Calculator with Taxes and Insurance
Estimate a monthly PITI housing payment with principal, interest, property tax, homeowners insurance, PMI, HOA dues, loan amount, escrow items, and annual tax and insurance totals.
Updated
Mortgage Comparison Calculator
Compare two mortgage offers by monthly payment, points, closing costs, total interest, lifetime cost, savings, and break-even timing.
Updated
Mortgage Interest Calculator
Estimate total mortgage interest, first-month interest, starting payment, total payments, and a simple fixed or ARM interest scenario.
Updated
Mortgage Payoff Calculator
Estimate how extra monthly payments and one-time principal payments change a mortgage payoff date, total interest, months saved, and new payment path.
Updated
Mortgage Penalty Calculator
Estimate a mortgage prepayment penalty using the larger of three months' interest or an interest rate differential after applying your annual prepayment privilege.
Updated
Mortgage Points Calculator
Estimate discount point cost, lower-rate payment savings, break-even months, net savings during your expected stay, and lifetime savings after point cost.
Updated
Verified
Mortgage Prepayment Calculator
Estimate interest saved from recurring and lump-sum mortgage prepayments across monthly, bi-weekly, accelerated bi-weekly, weekly, and accelerated weekly schedules.
Updated
Mortgage Rate Calculator
Compare mortgage rate effects on payment, scenario effective annual rate, points, up-front fees, annual fees, fixed-rate loans, and ARM reset-payment estimates.
Updated
Mortgage Refinance Calculator
Compare a current mortgage with a proposed refinance, including new loan balance, closing costs, cash out, payment savings, break-even time, and term trade-offs.
Updated
Verified
Mortgage with Extra Payments Calculator
Model monthly and annual extra principal payments on a fixed-rate mortgage, including interest saved, new payoff time, time saved, and total extra principal paid.
Updated
Net Effective Rent Calculator
Calculate monthly and annual net effective rent after free-rent months, tenant cash allowances, and operating costs.
Updated
Net Operating Income (NOI) Calculator
Calculate real estate net operating income from rentable area, annual rent per area, other income, occupancy, vacancy loss, and operating expenses.
Updated
Net Operating Working Capital Calculator
Calculate net operating working capital from cash, accounts receivable, inventories, accounts payable, and accrued expenses.
Updated
Net Worth Calculator
Add personal assets, subtract liabilities, and estimate total personal net worth with a transparent balance-sheet breakdown.
Updated
Verified
Operating Cash Flow Ratio Calculator
Calculate operating cash flow ratio from trailing twelve-month operating cash flow and current liabilities, including quarterly input mode.
Updated
Verified
Parking Ratio Calculator
Calculate parking spaces per 1,000 square feet, area per stall, and the surplus or shortage versus a target parking ratio for commercial property analysis.
Updated
Partially Amortized Loan Calculator
Calculate the monthly payment and final balloon balance for a partially amortized loan where payments are based on a longer amortization schedule than the payment period.
Updated
PITI Calculator (Mortgage Payment)
Estimate monthly PITI by adding principal, interest, property tax, and homeowners insurance for a fixed-rate mortgage.
Updated
PMI Entered-Rate Cost Worksheet
Apply an entered annual PMI rate to a calculated loan amount and display loan-to-value for context.
Updated
Price per Square Foot Calculator
Compare purchase prices or rents by floor area with a price per square foot calculator that can also show which of two properties has the lower cost per square foot.
Updated
Price per Square Meter Calculator
Compare purchase prices, rents, or project quotes by dividing total cost by usable floor area in square meters, with an optional second-property comparison.
Updated
Prorated Rent Calculator
Calculate partial-month rent for a move-in or move-out date using actual calendar days, occupied days, and the lease's monthly rent.
Updated
Quick Ratio Calculator
Calculate the quick ratio, also called the acid-test ratio, from cash, marketable securities, receivables, and current liabilities to judge near-term liquidity without inventory.
Updated
Real Estate Commission Calculator
Estimate real estate commission from a sale price and negotiated percentage, then see seller proceeds before other closing costs.
Updated
Realtor Commission with VAT Calculator
Estimate a real estate agent's net commission, VAT on the commission, gross fee, effective fee rate, and seller proceeds before other closing costs.
Updated
Refinance Break-Even Calculator
Estimate the number of months required for refinance payment savings to recover upfront closing costs, plus net benefit over your planned holding period.
Updated
Refinance Calculator
Compare an existing loan with a replacement loan, including refinance costs, cash in or cash out, monthly savings, interest, and break-even timing.
Updated
Remote vs On-Location Workers Calculator
Compare the workplace overhead of remote staff with on-location staff using setup allowances, monthly stipends, office setup, lease, and recurring office costs.
Updated
Rent Calculator
Estimate affordable monthly rent from gross income, a rent-to-income cap, debts, regular expenses, savings goals, and a rent you want to check.
Updated
Rent Increase Calculator
Project future annual and monthly rent after a repeated yearly percentage increase or decrease, and see the total change from today's rent.
Updated
Rent or Buy Calculator
Compare renting and buying over a planned stay using rent, deposit interest, purchase price, mortgage terms, transaction costs, appreciation, and sale proceeds.
Updated
Rental Commission Worksheet
Calculate a user-entered one-month, percentage, or fixed rental commission without assuming a customary or legal fee.
Updated
Rental Property ROI Calculator
Estimate rental property cash flow, NOI, cap rate, cash-on-cash return, sale value, remaining loan balance, and total ROI from purchase and rent assumptions.
Updated
Simple Mortgage Calculator
Calculate a basic fixed-rate mortgage principal and interest payment from loan amount, annual rate, and term, without taxes, insurance, PMI, or HOA dues.
Updated
True Cost of Real Estate Commission Calculator
Estimate real estate commission at closing plus the mortgage-interest cost created when commission is embedded in a financed home price.
Updated
Unpaid Work Calculator
Estimate the weekly and annual value of unpaid household, care, transport, repair, and yard work using replacement cost and opportunity cost.
Updated
Working Capital Calculator
Calculate net working capital, current ratio, beginning and ending working capital, average working capital, and turnover from current assets and liabilities.
Updated
10/1 ARM Mortgage Calculator
Estimate a 10/1 adjustable-rate mortgage with ten fixed years, annual resets afterward, a lifetime cap, payment range, interest, and total payments.
Updated
Verified
28/36 Rule Calculator
Check mortgage affordability with the 28/36 rule by comparing housing costs and total monthly debt with gross monthly income.
Updated
3x Rent Calculator
Calculate the gross monthly and annual income needed for the 3x rent rule, then compare your income with the rent a landlord may require.
Updated
Actual Cash Value Calculator
Estimate actual cash value by subtracting straight-line depreciation from replacement or purchase cost, capped at zero.
Updated
Appliance Depreciation Calculator
Estimate the depreciated value of a household appliance from its purchase price, age, useful life, and salvage value using straight-line depreciation.
Updated
Verified
ARM Mortgage Calculator
Model an adjustable-rate mortgage with a fixed introductory period, annual rate changes, a lifetime cap, payment range, total interest, and added costs.
Updated
ARV Calculator (After Repair Value)
Estimate after repair value from current value plus repair uplift or comparable sales, then apply an investor purchase rule to set a maximum offer.
Updated
Auto Loan Calculator
Estimate car loan monthly payment, sales tax, total interest, total payments, and total cost after down payment.
Updated
Verified
Balloon Payment Calculator
Estimate the fixed monthly payment, remaining balloon balance, total repayment, and interest on a loan with a large final payment.
Updated
Bi-Weekly Mortgage Payment Calculator
Estimate a true 26-payment bi-weekly mortgage plan, including the half-payment amount, accelerated payoff time, interest saved, and extra principal impact.
Updated
Biweekly Mortgage Calculator
Estimate interest saved by making 26 accelerated half-payments per year, with optional extra principal, compounding choices, payoff time, and total paid.
Updated
Boat Loan Calculator
Estimate a boat loan payment with down payment, APR, and term, then compare total interest, amount financed, and full marine financing cost.
Updated
Verified
Bond Current Yield Calculator
Calculate bond current yield by dividing annual coupon income by the current bond price, with coupon-per-period detail.
Updated
Bond Yield Calculator
Compare coupon yield, current yield, annual coupon income, coupon frequency, and a quick approximate yield to maturity for a plain coupon bond.
Updated
Budget Calculator: Monthly Income vs Expenses Planner
Plan a monthly budget from take-home income, expenses, savings, and debt payments, then see net income, total expenses, savings rate, and each category's share of income.
Updated
Verified
Build vs Buy Calculator
Compare the financial case for building software in house with buying or outsourcing it, including salary overhead, maintenance, annual savings, and payback time.
Updated
Cap Rate Calculator
Calculate a real estate capitalization rate from annual net operating income and property value, then compare the result with a 6 percent value check.
Updated
Capital Gains Tax UK Calculator
Estimate UK Capital Gains Tax with the annual exempt amount, basic and higher CGT rates, trust treatment, and after-tax profit for taxable gains.
Updated
Car Lease Calculator
Estimate a monthly car lease payment from MSRP, selling price, residual value, money factor, tax, fees, down payment, rebates, and trade-in credit.
Updated
Car Refinance Calculator
Compare an existing auto loan with a replacement refinance loan by monthly savings, interest savings after fees, total payment savings, and break-even.
Updated
Carry Trade Calculator
Estimate the calculator's carry trade profit from interest-rate spread, exchange-rate movement, settlement days, and invested amount.
Updated
Cash Ratio Calculator
Calculate the cash ratio from cash, cash equivalents, and current liabilities to measure the strictest layer of short-term liquidity before receivables or inventory.
Updated
Cash-Out Refinance Calculator
Estimate maximum net cash from a cash-out refinance, requested loan-to-value, equity left, and the new principal-and-interest payment.
Updated
Commercial Lease Calculator
Estimate commercial lease annual rent, monthly rent, base rent, operating expenses, total rate, and agent fee from rentable area and per-square-foot rates.
Updated
Coupon Payment Calculator
Calculate a bond's coupon payment per period, annual coupon dollars, payment count, and current yield from face value, coupon rate, frequency, and market value.
Updated
Current Ratio Calculator
Calculate the current ratio from current assets and current liabilities, including working capital and assets per dollar of liabilities.
Updated
Debt Consolidation Calculator
Compare current debts with a single consolidation loan, including payment change, payoff time, interest difference, and total cost difference.
Updated
Debt to Income (DTI) Calculator
Calculate a housing-inclusive debt-to-income ratio from gross monthly income and recurring debt payments, with lending context and limits.
Updated
Verified
Defensive Interval Ratio Calculator
Calculate defensive interval days from cash, marketable securities, receivables, operating expenses, and non-cash charges to estimate liquidity runway.
Updated
Dividend Yield Calculator
Calculate dividend yield from annual dividend per share and share price, with a 100-share income estimate and guidance for interpreting stock income yields.
Updated
Verified
Down Payment Calculator
Convert a home price and down payment percentage into cash down, remaining loan amount, and loan-to-value ratio.
Updated
DSCR Calculator (Debt Service Coverage Ratio)
Calculate debt service coverage ratio from monthly income, vacancy, operating expenses, loan amount, rate, and term with lender-style interpretation.
Updated
Earnest Money Calculator
Estimate an earnest money deposit from a property price and good-faith deposit percentage, then see the price not covered by the deposit.
Updated
FFO Calculator (Funds From Operations)
Calculate REIT Funds From Operations, FFO per share, and the exact operating adjustments used by this calculator: net income plus real-estate D&A and sale losses, minus sale gains and interest income.
Updated
Verified
FHA Loan Calculator
Estimate an FHA mortgage payment with down payment, principal and interest, upfront mortgage insurance, annual MIP, and scheduled payments.
Updated
Gift of Equity Calculator
Calculate the equity gifted in a below-market home sale, including buyer cash down payment, total equity, LTV, and annual exclusion assumptions.
Updated
Gross Rent Multiplier Calculator
Calculate gross rent multiplier from property price, gross monthly rent, other recurring income, and an optional vacancy allowance for rental screening.
Updated
Home Affordability Calculator
Estimate a maximum home price from income, monthly debt, down payment, mortgage rate, taxes, insurance, and lender-style debt ratios.
Updated
Home Loan Calculator
Calculate a fixed-rate home loan payment, total repayment, and total interest from loan amount, interest rate, and term.
Updated
Home Loan EMI Calculator
Estimate a home loan EMI, principal after prepayment, total interest, and total amount payable from loan amount, rate, tenure, and prepayment.
Updated
Home Mortgage Calculator
Estimate a buyer-focused monthly home mortgage payment with principal, interest, property tax, insurance, HOA dues, PMI, loan amount, and total interest.
Updated
Interest Rate Parity Calculator
Estimate a covered or uncovered interest rate parity exchange rate from spot, term, and two annual currency interest rates.
Updated
Interest-Only Mortgage Calculator
Estimate the interest-only payment, later amortizing payment, payment jump, interest during both periods, and total paid on an IO mortgage.
Updated
Investor Scenario Subtraction Worksheet
Subtract user-defined renovation, additional, and profit reserves from a user-defined property scenario value.
Updated
Verified
Jumbo Loan Calculator
Estimate jumbo mortgage payments, loan amount, down payment percentage, total interest, total repayment, and whether the loan exceeds the conforming limit.
Updated
Land Loan Calculator
Estimate an amortized land loan payment, down payment, loan value, total interest, and payoff total from land value, rate, term, and payment frequency.
Updated
Lease Calculator
Estimate monthly lease payment, total lease payments, total interest, and cost to own from product value, down payment, residual value, term, and annual interest rate.
Updated
Lease Mileage Calculator
Forecast lease-end mileage, excess miles, mileage overage charge, current driving pace, and monthly savings needed before turn-in.
Updated
LTV Calculator (Loan to Value)
Calculate loan-to-value, combined LTV, estimated loan amount, down payment percentage, equity, and PMI threshold gap.
Updated
Margin Call Calculator
Estimate the share price where a margined stock position falls below maintenance margin, plus current equity, loan, margin percentage, and shortfall.
Updated
Money Factor Calculator
Convert lease money factor to equivalent APR, or APR to money factor, using the standard 2400 lease conversion multiplier.
Updated
Mortgage Acceleration Calculator
Compare monthly overpayments, accelerated biweekly payments, and accelerated weekly payments to estimate mortgage interest saved and payoff time shortened.
Updated
Mortgage Amortization Calculator
Inspect a fixed-rate mortgage amortization schedule by payment number, including balance, principal, interest, cumulative totals, total interest, and total principal and interest.
Updated
Mortgage Calculator
PopularEstimate a fixed-rate mortgage payment with principal, interest, taxes, insurance, HOA dues, PMI, extra payments, payoff time, and total interest.
Updated
Verified
Mortgage Calculator with Taxes and Insurance
Estimate a monthly PITI housing payment with principal, interest, property tax, homeowners insurance, PMI, HOA dues, loan amount, escrow items, and annual tax and insurance totals.
Updated
Mortgage Comparison Calculator
Compare two mortgage offers by monthly payment, points, closing costs, total interest, lifetime cost, savings, and break-even timing.
Updated
Mortgage Interest Calculator
Estimate total mortgage interest, first-month interest, starting payment, total payments, and a simple fixed or ARM interest scenario.
Updated
Mortgage Payoff Calculator
Estimate how extra monthly payments and one-time principal payments change a mortgage payoff date, total interest, months saved, and new payment path.
Updated
Mortgage Penalty Calculator
Estimate a mortgage prepayment penalty using the larger of three months' interest or an interest rate differential after applying your annual prepayment privilege.
Updated
Mortgage Points Calculator
Estimate discount point cost, lower-rate payment savings, break-even months, net savings during your expected stay, and lifetime savings after point cost.
Updated
Verified
Mortgage Prepayment Calculator
Estimate interest saved from recurring and lump-sum mortgage prepayments across monthly, bi-weekly, accelerated bi-weekly, weekly, and accelerated weekly schedules.
Updated
Mortgage Rate Calculator
Compare mortgage rate effects on payment, scenario effective annual rate, points, up-front fees, annual fees, fixed-rate loans, and ARM reset-payment estimates.
Updated
Mortgage Refinance Calculator
Compare a current mortgage with a proposed refinance, including new loan balance, closing costs, cash out, payment savings, break-even time, and term trade-offs.
Updated
Verified
Mortgage with Extra Payments Calculator
Model monthly and annual extra principal payments on a fixed-rate mortgage, including interest saved, new payoff time, time saved, and total extra principal paid.
Updated
Net Effective Rent Calculator
Calculate monthly and annual net effective rent after free-rent months, tenant cash allowances, and operating costs.
Updated
Net Operating Income (NOI) Calculator
Calculate real estate net operating income from rentable area, annual rent per area, other income, occupancy, vacancy loss, and operating expenses.
Updated
Net Operating Working Capital Calculator
Calculate net operating working capital from cash, accounts receivable, inventories, accounts payable, and accrued expenses.
Updated
Net Worth Calculator
Add personal assets, subtract liabilities, and estimate total personal net worth with a transparent balance-sheet breakdown.
Updated
Verified
Operating Cash Flow Ratio Calculator
Calculate operating cash flow ratio from trailing twelve-month operating cash flow and current liabilities, including quarterly input mode.
Updated
Verified
Parking Ratio Calculator
Calculate parking spaces per 1,000 square feet, area per stall, and the surplus or shortage versus a target parking ratio for commercial property analysis.
Updated
Partially Amortized Loan Calculator
Calculate the monthly payment and final balloon balance for a partially amortized loan where payments are based on a longer amortization schedule than the payment period.
Updated
PITI Calculator (Mortgage Payment)
Estimate monthly PITI by adding principal, interest, property tax, and homeowners insurance for a fixed-rate mortgage.
Updated
PMI Entered-Rate Cost Worksheet
Apply an entered annual PMI rate to a calculated loan amount and display loan-to-value for context.
Updated
Price per Square Foot Calculator
Compare purchase prices or rents by floor area with a price per square foot calculator that can also show which of two properties has the lower cost per square foot.
Updated
Price per Square Meter Calculator
Compare purchase prices, rents, or project quotes by dividing total cost by usable floor area in square meters, with an optional second-property comparison.
Updated
Prorated Rent Calculator
Calculate partial-month rent for a move-in or move-out date using actual calendar days, occupied days, and the lease's monthly rent.
Updated
Quick Ratio Calculator
Calculate the quick ratio, also called the acid-test ratio, from cash, marketable securities, receivables, and current liabilities to judge near-term liquidity without inventory.
Updated
Real Estate Commission Calculator
Estimate real estate commission from a sale price and negotiated percentage, then see seller proceeds before other closing costs.
Updated
Realtor Commission with VAT Calculator
Estimate a real estate agent's net commission, VAT on the commission, gross fee, effective fee rate, and seller proceeds before other closing costs.
Updated
Refinance Break-Even Calculator
Estimate the number of months required for refinance payment savings to recover upfront closing costs, plus net benefit over your planned holding period.
Updated
Refinance Calculator
Compare an existing loan with a replacement loan, including refinance costs, cash in or cash out, monthly savings, interest, and break-even timing.
Updated
Remote vs On-Location Workers Calculator
Compare the workplace overhead of remote staff with on-location staff using setup allowances, monthly stipends, office setup, lease, and recurring office costs.
Updated
Rent Calculator
Estimate affordable monthly rent from gross income, a rent-to-income cap, debts, regular expenses, savings goals, and a rent you want to check.
Updated
Rent Increase Calculator
Project future annual and monthly rent after a repeated yearly percentage increase or decrease, and see the total change from today's rent.
Updated
Rent or Buy Calculator
Compare renting and buying over a planned stay using rent, deposit interest, purchase price, mortgage terms, transaction costs, appreciation, and sale proceeds.
Updated
Rental Commission Worksheet
Calculate a user-entered one-month, percentage, or fixed rental commission without assuming a customary or legal fee.
Updated
Rental Property ROI Calculator
Estimate rental property cash flow, NOI, cap rate, cash-on-cash return, sale value, remaining loan balance, and total ROI from purchase and rent assumptions.
Updated
Simple Mortgage Calculator
Calculate a basic fixed-rate mortgage principal and interest payment from loan amount, annual rate, and term, without taxes, insurance, PMI, or HOA dues.
Updated
True Cost of Real Estate Commission Calculator
Estimate real estate commission at closing plus the mortgage-interest cost created when commission is embedded in a financed home price.
Updated
Unpaid Work Calculator
Estimate the weekly and annual value of unpaid household, care, transport, repair, and yard work using replacement cost and opportunity cost.
Updated
Working Capital Calculator
Calculate net working capital, current ratio, beginning and ending working capital, average working capital, and turnover from current assets and liabilities.
Updated
Frequently asked questions
- How do you calculate appliance depreciation?
- Subtract any salvage value from the purchase price to get the depreciable base, divide that by the useful life to get yearly depreciation, then multiply by the appliance's age. The purchase price minus that accumulated amount is the current depreciated value.
- What is the useful life of a typical appliance?
- It varies by type. Refrigerators often last about 13 years, clothes dryers and gas ranges around 13 to 15, washing machines roughly 10, and dishwashers and microwaves closer to 9. Use the figure that best matches your specific model and how heavily it is used.
- What depreciation method does this calculator use?
- It uses straight-line depreciation, which spreads the loss in value evenly across every year of the appliance's useful life. It is the method most insurers and home inventories rely on because it is transparent and easy to defend with receipts.