All calculators
20 tools across mortgages, debt payoff, and real-estate investing. Each is free, runs in your browser, and shows its formula.
Mortgage & Loans
- Mortgage Payoff Calculator Find out how many years and how much interest you'll save by adding extra principal to your mortgage payment each month.
- Amortization Schedule Calculator Generate a full year-by-year amortization schedule showing how each payment splits between principal and interest, with optional extra payments.
- Bi-Weekly Mortgage Payment Calculator See how paying half your mortgage payment every two weeks shortens your loan and cuts interest — without a formal bi-weekly program.
- Mortgage Recast Calculator Apply a lump sum to your principal and re-amortize to a lower monthly payment while keeping your rate and payoff date. See the new payment and interest saved.
- Refinance Break-Even Calculator Calculate how many months it takes for refinance savings to recoup your closing costs, plus your new payment and five-year net savings.
- Rent vs. Buy Calculator Compare the total multi-year cost of buying a home versus renting, including closing costs, maintenance, appreciation, and the opportunity cost of your down payment.
- Home Affordability Calculator Estimate the maximum home price you can afford based on income, debts, down payment, and mortgage rate, using the conservative 28/36 DTI guideline.
- PMI Removal Calculator Find out when your loan reaches 80% and 78% loan-to-value so you can request or automatically end private mortgage insurance, with or without appreciation.
- ARM vs. Fixed Mortgage Calculator Compare an adjustable-rate mortgage to a 30-year fixed over your expected holding period, including the intro payment, worst-case payment, and rate-shock cushion.
- Mortgage Points Calculator Decide whether paying discount points to lower your mortgage rate is worth it, based on the monthly savings and how long you'll keep the loan.
Debt Payoff
- Debt Snowball vs. Avalanche Calculator Compare the debt snowball and debt avalanche payoff methods side by side: see your debt-free date, total interest, and which debt clears first.
- Credit Card Payoff Calculator See how long it takes to pay off a credit card at a fixed monthly payment, how much interest you'll pay, and the payment needed to be done in 12 or 24 months.
- Debt-to-Income (DTI) Ratio Calculator Calculate your front-end and back-end debt-to-income ratios, see how much room you have under the 36% and 43% thresholds, and understand what lenders look for.
- Personal Loan Calculator Calculate a personal loan's monthly payment, total interest, and true effective APR once an origination fee is deducted from the amount you receive.
Real-Estate Investing
- Rental Property ROI Calculator Analyze a rental deal end to end: cap rate, monthly cash flow, cash-on-cash return, the 1% rule, and gross rent multiplier, with financing included.
- Cap Rate Calculator Calculate a property's cap rate from net operating income and price, and see the implied value at 6% and 8% cap rates.
- Cash-on-Cash Return Calculator Calculate the first-year cash-on-cash return on a real-estate deal from annual cash flow and the total cash you put in.
- BRRRR Calculator Model a Buy-Rehab-Rent-Refinance-Repeat deal: all-in cost, refinance loan at 75% ARV, cash left in the deal, post-refinance cash flow, and cash-on-cash return.
- Fix-and-Flip 70% Rule Calculator Calculate the maximum allowable offer on a flip using the 70% rule: ARV times the rule percentage, minus repair costs and any wholesale fee.
- Short-Term Rental (Airbnb) Income Calculator Estimate gross and net income for an Airbnb or VRBO property from average daily rate, occupancy, cleaning fees, expenses, and financing.