Mortgage
Buying
Renting
Selling

Free Home Finance
Calculators

10 professional-grade tools for every stage of buying, renting, and selling. No sign-up. No ads. Just math.

🏠
Mortgage Calculator
📅
Amortization Schedule
⚡
Mortgage Payoff
📝
Closing Costs
⚖️
Rent vs Buy
💡
Rent Affordability
📆
Prorated Rent
🏛️
Property Tax
💰
Home Sale Proceeds
📋
Capital Gains
Mortgage Calculator

Your Payment, Fully Broken Down

Loan Details
$
$
%
%
Taxes & Insurance
$
$
Include PMI
%

Typical range: 0.3–1.5%. Applies when down payment is under 20%. Removed at 80% LTV.

Estimated Monthly Payment
$2,576
per month, including taxes & insurance
Principal & interest$0
Property tax$0
Home insurance$0
Loan amount
$0
Total interest paid
$0
Total cost of loan
$0
Payoff date
—
Balance Over Time
Remaining balance Principal paid Interest paid
Estimate only — not financial advice. Results are approximate. Actual payments, rates, taxes, insurance, and PMI vary by lender, location, and borrower profile. Consult a licensed mortgage professional before making any financial decisions.
Loan Details
$
%
$
Monthly Payment
$0
principal & interest
Loan amount
—
Total interest
—
Total cost
—
Payoff date
—
Extra Payment Impact
Interest saved—
Months saved—
New payoff date—
Balance Over Time
Balance Principal paid Interest paid
Estimate only. Actual loan terms vary by lender. This does not constitute financial advice.
Current Loan
$
%
Extra Payments
$
$
Payoff Comparison
Original Payoff
—
—
New Payoff
—
—
Total Interest Saved
$0
No extra payments entered
Original total interest—
New total interest—
Months saved—
Break-even on extra payments—
Balance Comparison
Original With extra payments
Estimate only. Results assume consistent extra payments throughout the loan term. Consult your lender before making payoff decisions.
Transaction Details
$
$
Estimated Closing Costs
$0
— % of sale price
Estimated range: $0 – $0
Estimates only. Closing costs vary significantly by location, lender, and transaction. Get a Loan Estimate from your lender for exact figures. Not financial advice.
Buying Scenario
$
$
%
%
%
$
%
Renting Scenario
$
%
%
yrs
Verdict
Over your time horizon
Calculating...
🏠 Buying
—
net cost after equity
🏢 Renting
—
net cost after investment
Break-even year—
Home value at end—
Equity built—
Down payment invested value—
Cumulative Net Cost
Buying Renting
Model assumptions. Returns are hypothetical. Real estate appreciation, rent growth, and investment returns vary. This is not financial advice.
Your Finances
$
$
$
Affordability Rating
Your desired rent is
—
By the Rules
30% Rule
—
Max recommended rent
50/30/20 Rule
—
Housing budget (50% needs)
Conservative (28%)
—
Lender front-end ratio
Debt-to-Income Ratio
Front-end DTI (rent only)0%
0%28% Good36% OK50%+
50/30/20 Budget Breakdown
Needs (50%)
—
Wants (30%)
—
Savings (20%)
—
Guidelines only. Affordability rules are general benchmarks. Actual housing costs vary by city, household size, and personal circumstances.
Rental Details
$
Your Prorated Rent
$0
for your first partial month
Full monthly rent—
Daily rate—
Days being charged—
Move-in date—
First full month starts—
—
Prorated days (you pay) Next full month
Verify with your landlord. Proration methods vary by lease agreement. Confirm which method your landlord uses before budgeting.
Property Details
$
%
Your Property Tax
Annual
$0
Monthly
$0
Effective rate
0%
5-year total—
10-year total—
As % of monthly mortgage (est.)—
State Comparison (Same Home Value)
Estimates only. Effective tax rates are statewide averages. Your actual bill depends on your county's assessment and any exemptions you qualify for.
Sale Details
$
$
%
Additional Costs
$
$
$
Net Proceeds
$0
you walk away with
⚠️ Shortfall — you'd owe money at closing. Consider a higher sale price or negotiating costs.
Sale price—
Agent commission—
Mortgage payoff—
Repairs & staging—
Seller concessions—
Other closing costs—
Net proceeds—
Where Your Sale Price Goes
Estimates only. Actual costs vary by state, county, and transaction. Verify all fees with your real estate agent and title company.
Sale Information
$
$
$
$
Your Situation
yrs
$
Tax Owed
Estimated capital gains tax
$0
No tax owed 🎉
Calculation Walkthrough
1
Sale price
—
2
Adjusted basis (purchase + improvements + selling costs)
—
3
Total gain
—
4
Section 121 exclusion
—
5
Taxable gain
—
6
Long-term capital gains tax
—
Exclusion Eligibility
Net Investment Income Tax (NIIT): You may also owe an additional 3.8% NIIT on the taxable gain because your income exceeds the threshold. This calculator estimates LT capital gains only — consult a tax advisor for the full picture.
⚠️ This is not tax advice. Capital gains rules involve many factors not captured here: depreciation recapture, partial exclusions, state taxes, installment sales, and more. Always consult a licensed CPA or enrolled agent before making decisions based on these estimates. Tax rates shown use 2025 federal long-term capital gains brackets.