Real Estate Financial Calculators

Mortgage Affordability

How much house can you afford? Calculate your max home price based on income, debts, and DTI ratios.

• Front-end & back-end DTI analysis
• Full PITI + HOA + PMI breakdown
• Rate sensitivity (±2% table)
• DTI stress test (25%-50% scenarios)
• Cash-to-close estimator

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Home Ownership vs Renting

Compare the true cost of buying versus renting over time with comprehensive financial analysis.

• Mortgage amortization with additional payments
• Investment returns comparison (S&P 500 vs HYSA)
• Monthly cost breakdown & cash flow analysis
• State/county median home price data
• Property appreciation & equity tracking

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Mortgage Payoff Accelerator

See how extra payments cut years off your mortgage, and whether it beats investing the cash instead.

• Extra monthly, biweekly, lump sum, or round-up
• Years saved + total interest saved
• Side-by-side balance chart
• Pay off vs invest net-worth comparison
• Annual amortization schedule

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Rental Property ROI

Analyze investment returns on long-term rentals with detailed cash flow and profitability metrics.

• Monthly cash flow & NOI calculations
• ROI, Cap Rate & Cash-on-Cash return
• Property appreciation & equity analysis
• Vacancy, maintenance & management costs
• Annual rental income projections

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Airbnb / Short-Term Rental

Model STR profitability with realistic cost assumptions and compare directly against long-term rental.

• Nightly rate × occupancy × stay length revenue
• Full STR cost model (utilities, supplies, cleaning)
• Break-even occupancy chart
• Direct STR vs LTR comparison
• RevPAR, cap rate, cash-on-cash

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