This page is for buyers, homeowners, landlords, and investors comparing the true cost of property decisions. Use these calculators to break down mortgage payments, affordability, refinance math, rental returns, and property-tax-adjacent tradeoffs before you commit.
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If you want the fastest path instead of scanning the full grid, begin with the most useful and best-finished calculators in this category.
Calculate monthly payments, total interest, and full amortization schedule
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Evaluate rental property deals with cap rate, cash-on-cash return, monthly cash flow, the 1% rule check, and a 10-year equity projection. Full mortgage payment and operating expense breakdown included.
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DTI is the primary number lenders use to approve mortgages. Contractors get flagged because lenders use 2-year net income, not gross revenue. See your front-end and back-end DTI, loan qualification status, and exactly how much debt to pay off or income to add to qualify.
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Why use these tools
The mortgage and home affordability tools include taxes, insurance, PMI, and HOA — the full PITI payment lenders use to qualify you — so the number on screen is the one that actually hits your bank account.
Rental ROI, cap rate, and real estate investment tools account for vacancy, capex reserves, property management, and financing — not just rent minus mortgage. That's the gap between investor spreadsheets and gross rental yield headlines.
Rent vs buy, mortgage refinance, and DTI tools normalize the comparison: equivalent time horizons, opportunity cost of the down payment, break-even months on refi closing costs. No more apples-to-oranges.
DTI is the primary number lenders use to approve mortgages. Contractors get flagged because lenders use 2-year net income, not gross revenue. See your front-end and back-end DTI, loan qualification status, and exactly how much debt to pay off or income to add to qualify.
Σ Shows workEvaluate rental property deals with cap rate, cash-on-cash return, monthly cash flow, the 1% rule check, and a 10-year equity projection. Full mortgage payment and operating expense breakdown included.
Σ Shows workCalculate monthly payments, total interest, and full amortization schedule
Σ Shows workFind out how much house you can afford based on income, debts, and down payment.
Σ Shows workAnalyze a rental property investment — cash flow, cap rate, and return on investment.
Σ Shows workShould you rent or buy? See the true break-even timeline, total costs over 5–30 years, and which option wins given your market and lifestyle — with the math shown.
Σ Shows workCalculate the real ROI of a rental property: monthly cash flow, cap rate, cash-on-cash return, gross rent multiplier. Includes 3% and 5% appreciation scenarios with 5/10/30-year equity projections and a full monthly expense breakdown.
Σ Shows workShould you refinance? Calculate your break-even point, monthly payment savings, and lifetime interest saved vs. your current loan — with a year-by-year amortization comparison.
Σ Shows workFAQ
Principal-and-interest uses M = P · r(1+r)^n / ((1+r)^n − 1) where r is the monthly rate and n is months. The full PITI payment adds property tax / 12, homeowners insurance / 12, and (if applicable) PMI and HOA. The Mortgage calculator on this page shows each component and the amortization schedule.
Lenders typically cap front-end DTI (housing) at ~28% of gross income and back-end DTI (all debt) at ~36–43%. The Home Affordability and DTI calculators back into the mortgage payment that fits, then convert it to a price given your down payment, rate, and taxes.
The break-even formula is closing costs / monthly savings. If you'll stay in the home longer than the break-even month, refinancing usually wins. The Mortgage Refinance calculator runs both the new payment and the lifetime interest delta so you can see both effects.
Cash-on-cash return of 6–10% is typical for long-term rentals; cap rate of 5–8% for stabilized properties. The Rental ROI and Real Estate Investment calculators include vacancy, capex, and management — most online tools skip those and overstate returns by 2–4 points.