Run the numbers before you sign anything.
Six precise calculators for buyers, owners, and investors — mortgage payments, affordability, rent vs. buy, rental ROI, refinancing, and closing costs. Every figure is itemized, not just a single guess.
Pick the number you need
Each calculator is a standalone page you can bookmark, share, or come back to. Results update instantly as you adjust inputs.
Mortgage Calculator
Monthly principal & interest, taxes, insurance, PMI, and a full amortization schedule.
Calculate payment → 02 / BudgetAffordability Calculator
How much home you can responsibly afford based on income, debts, and down payment.
Find my budget → 03 / DecisionRent vs. Buy Calculator
Your true breakeven year, accounting for closing costs, appreciation, and opportunity cost.
Compare scenarios → 04 / InvestmentRental ROI & Cap Rate
Cap rate, cash-on-cash return, and monthly cash flow for an income property.
Analyze a property → 05 / SavingsRefinance Calculator
Break-even month on closing costs and lifetime interest saved from a new rate.
Check refinance math → 06 / Cash DueClosing Costs Estimator
Itemized estimate of lender, title, and government fees due at settlement.
Estimate cash to close →Understand the math, not just the number
How Mortgage Amortization Actually Works
Most of an early mortgage payment goes to interest, not principal. Here is the math behind why, and when that flips.
What Cap Rate Really Tells You (and What It Hides)
A high cap rate is not automatically a good deal. Here is what the number includes, and the three things it leaves out.
Renting vs Buying: Finding Your Real Breakeven Point
The right answer to "rent or buy" depends on one number most people never calculate: their breakeven year.