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.
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.
28/36 Rule Calculator
Check mortgage affordability with the 28/36 rule by comparing housing costs and total monthly debt with gross monthly income.
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.
Actual Cash Value Calculator
Estimate actual cash value by subtracting straight-line depreciation from replacement or purchase cost, capped at zero.
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.
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.
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.
Auto Loan Calculator
Estimate car loan monthly payment, sales tax, total interest, total payments, and total cost after down payment.
Balloon Payment Calculator
Estimate the fixed monthly payment, remaining balloon balance, total repayment, and interest on a loan with a large final payment.
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.
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.
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.
Bond Current Yield Calculator
Calculate bond current yield by dividing annual coupon income by the current bond price, with coupon-per-period detail.
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.
Budget Calculator
Build a monthly budget from take-home income, category expenses, savings, and debt payments, then see net income, total expenses, savings rate, and each category's share of income.
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.
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.
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.
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.
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.
Carry Trade Calculator
Estimate the calculator's carry trade profit from interest-rate spread, exchange-rate movement, settlement days, and invested amount.
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.
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.
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.
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.
Current Ratio Calculator
Calculate the current ratio from current assets and current liabilities, including working capital and assets per dollar of liabilities.
Debt Consolidation Calculator
Compare current debts with a single consolidation loan, including payment change, payoff time, interest difference, and total cost difference.
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.
Defensive Interval Ratio Calculator
Calculate defensive interval days from cash, marketable securities, receivables, operating expenses, and non-cash charges to estimate liquidity runway.
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.
Down Payment Calculator
Convert a home price and down payment percentage into cash down, remaining loan amount, and loan-to-value ratio.
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.
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.
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.
FHA Loan Calculator
Estimate an FHA mortgage payment with down payment, principal and interest, upfront mortgage insurance, annual MIP, and scheduled payments.
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.
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.
Home Affordability Calculator
Estimate a maximum home price from income, monthly debt, down payment, mortgage rate, taxes, insurance, and lender-style debt ratios.
Home Loan Calculator
Calculate a fixed-rate home loan payment, total repayment, and total interest from loan amount, interest rate, and term.
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.
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.
Interest Rate Parity Calculator
Estimate a covered or uncovered interest rate parity exchange rate from spot, term, and two annual currency interest rates.
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.
Investor Scenario Subtraction Worksheet
Subtract user-defined renovation, additional, and profit reserves from a user-defined property scenario value.
Jumbo Loan Calculator
Estimate jumbo mortgage payments, loan amount, down payment percentage, total interest, total repayment, and whether the loan exceeds the conforming limit.
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.
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.
Lease Mileage Calculator
Forecast lease-end mileage, excess miles, mileage overage charge, current driving pace, and monthly savings needed before turn-in.