Free Real Estate Tools
Free real estate calculators for homebuyers, homeowners, refinance shoppers, and rental property investors. Run side-by-side amortization comparisons before you refinance, model the multi-year wealth difference between renting and buying, project the cap rate and cash-on-cash return on a rental, and figure out exactly how much home you can afford on your income — all in seconds, with no signup, no email capture, and no data ever uploaded to a server.
Every calculator runs a full month-by-month amortization schedule under the hood so the numbers are auditable, not approximated. Whether you are deciding between a 6.5% and a 7.0% rate, weighing the break-even on closing costs, or comparing a 15-year vs 30-year term, you get the trustable math and the visual breakdown to make smarter housing decisions. Professional-grade real estate utilities, completely free.
6 free tools available now
Mortgage Calculator
Full PITI mortgage calculator with amortization schedule and PMI tracking
Refinance Calculator
See if refinancing your mortgage actually saves you money — with break-even, lifetime interest, and side-by-side cash flow
House Affordability Calculator
How much house can you actually afford? Uses the 28/36 DTI rule with full PITI breakdown
HELOC Calculator
Model the HELOC payment shock — interest-only draw vs amortizing repayment with rate-stress scenarios
Rent vs Buy Calculator
Year-by-year wealth comparison: should you rent or buy? See the exact tipping point
Rental Property ROI Calculator
Cap rate, cash-on-cash, IRR, NOI — full rental property pro-forma with year-by-year projection
All free real estate tools
Every tool listed below is 100% free, requires no account, and runs entirely in your browser — your data never leaves your device.
🏠 Free Mortgage Calculator
Free mortgage calculator with full PITI breakdown (Principal, Interest, Taxes, Insurance, PMI, HOA). Calculate monthly payments, total interest, PMI cancellation date, and extra payment savings. Free to embed on your website. No signup required.
🔁 Free Refinance Calculator
Free mortgage refinance calculator with break-even analysis, side-by-side amortization, lifetime interest comparison, and cash-out modeling. Runs in your browser — no signup, no data uploaded. Free to embed on your website.
🏡 Free House Affordability Calculator
Free house affordability calculator using the conventional 28/36 debt-to-income rule. Enter your income, debts, down payment, and rate to get your maximum home price with full PITI breakdown and rate stress test. Free to embed on your website. No signup required.
🏦 Free HELOC Calculator
Free HELOC calculator with draw + repayment phase modeling and 3-rate stress test. See your current interest-only payment, the payment shock when the draw period ends, and what happens if Prime rises 1–2%. Free to embed on your website. No signup required.
⚖️ Free Rent vs Buy Calculator
Free rent vs buy calculator with year-by-year wealth comparison, exact tipping point, and full cost modeling (appreciation, rent inflation, opportunity cost, taxes, maintenance, PMI). Free to embed on your website. No signup required.
📈 Free Rental Property ROI Calculator
Free rental property ROI calculator with cap rate, cash-on-cash, GRM, 1% rule, NOI, IRR over hold period, and year-by-year cash-flow projection. Full pro-forma with all reserves and operating expenses. Free to embed on your website. No signup required.