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Free homebuyer calculators

Run the numbers before you make your move.

Use simple mortgage and real estate calculators to compare monthly payments, affordability, renting vs. buying, buying now vs. waiting, down payments, equity, investment properties, and second-home costs.

Mortgage payment calculatorHome affordability calculatorRent vs buy calculatorBuy now vs waitDown payment estimateFirst-time homebuyer toolsInvestment property numbersSecond home costs
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Compare scenarios, then decide what makes sense for your budget.

1

Choose your question

Monthly payment, affordability, rent vs. buy, buy now vs. wait, down payment, equity, investment property, or second-home costs.

2

Run your numbers

Enter simple numbers and see an estimate you can understand without needing a spreadsheet.

3

Ask for help

When you are ready, connect with a real estate or mortgage professional to review your next step.

Popular homebuyer calculators

Start with the tool that matches the decision you are trying to make.

Free Homebuyer & Investor Calculators

Run the numbers first and then connect with a local expert only if you want help.

All results are estimates for education only, not a loan offer or commitment. Talk to a licensed professional for personalized advice.

Homebuyer calculator FAQs

Quick answers before you run the numbers.

What calculator should I start with as a first-time homebuyer?

Start with the Home Affordability Calculator to estimate a comfortable price range, then use the Monthly Payment Calculator to understand what that price may cost each month.

Can these calculators tell me exactly what I qualify for?

No. The calculators provide estimates for education. A lender or mortgage professional reviews credit, income, assets, property details, and loan guidelines before giving an official approval.

Why compare buying now versus waiting?

Waiting may help you save more money, but rent payments do not build equity and home prices, interest rates, and inventory can change. The Buy Now vs Wait Calculator helps compare both paths.

Does the monthly payment calculator include taxes and insurance?

Yes. You can include property taxes, homeowners insurance, HOA fees, and PMI so the estimate is closer to a real monthly housing payment.

Can I use these tools for investment properties or second homes?

Yes. The site includes calculators for investment property metrics, second home costs, equity growth, and other scenarios beyond a primary residence.

Latest homebuyer guides

Short reads that explain the ideas behind the calculators.

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