Mortgage Calculator

Calculate monthly payments, interest, and loan details for home purchases.

Investment Property

Analyze rental property investments and ROI projections.

Rental Cash Flow

Calculate monthly rental income and expense breakdowns.

Commission Calculator

Calculate real estate commissions and agent splits.

Closing Costs

Estimate buyer and seller closing costs and fees.

Buyer Cost Sheet

Calculate total costs for property buyers including points and interest.

Property Comparison

Compare multiple properties side-by-side with detailed analysis.

Rent vs Buy

Determine whether renting or buying makes more financial sense.

Refinancing

Calculate savings and break-even point for refinancing your mortgage.

HELOC Calculator

Analyze home equity line of credit options and payments.

Property Flip

Calculate potential profits and ROI for fix-and-flip projects.

BRRRR Strategy

Buy, Rehab, Rent, Refinance, Repeat investment analysis.

Mortgage Calculator

Property Price ($)

Down Payment (%)

20%

Loan Term (years)

Interest Rate (%)

4.5%

Property Tax ($/year)

Home Insurance ($/year)

HOA Fees ($/month)

Monthly Breakdown

Principal & Interest

$1,425

Total Monthly

$1,767

Loan Summary

Loan Amount:

$280,000

Down Payment:

$70,000

Total Interest Paid:

$233,000

Total Cost:

$583,000

Investment Property Analysis

Purchase Price ($)

Down Payment (%)

25%

Expected Annual Rent ($)

Annual Property Expenses (%)

35%

Vacancy Rate (%)

5%

Annual Appreciation Rate (%)

3.5%

Holding Period (years)

Investment Analysis

Cash-on-Cash ROI

8.4%

Cap Rate

6.2%

Monthly Cash Flow

Monthly Rent:

$2,000

Monthly Expenses:

$700

Monthly Cash Flow:

$1,300

Annual Cash Flow:

$15,600

Future Value

Property Value After 10 Years:

$423,000

Total Rental Income:

$240,000

Total Return:

$363,000

Annualized Return:

12.1%

Rental Cash Flow Calculator

Monthly Rental Income ($)

Monthly Mortgage Payment ($)

Monthly Property Tax ($)

Monthly Home Insurance ($)

Management Percent (%)

10%

Maintenance Percent (%)

5%

Vacancy Rate (%)

5%

Cash Flow Analysis

Gross Income:

$2,400

Total Expenses:

$1,150

Net Operating Income

Gross Income:

$2,400

Total Expenses:

$1,150

Net Operating Income:

$1,250

Cash Flow

Cash Flow Before Taxes:

$1,250

Cash Flow After Taxes:

$1,250

Closing Costs Calculator

Sales Price ($)

Mortgage Amount ($)

Commission Rate (%)

Deed Pages

Mortgage Pages

Closing Costs

Buyer's Total:

$350,000

Seller's Total:

$350,000

Breakdown

Mortgage Fees:

$1,400

Settlement Fee:

$595

Title Search:

$150

Association Fee:

$250

Survey:

$375

Termite:

$100

New Lien Search Fee:

$75

Commission:

$21,000

Owner's Policy:

$1,925

Lender's Policy:

$1,925

Environmental Endorsement:

$100

ALTA 9-06:

$50

ALTA 5.1:

$25

ALTA 4.1:

$25

Recording Fees:

$200

Doc Stamp on Mortgage:

$1,750

Intangible Tax on Mortgage:

$1,400

Doc Stamp on Deed:

$1,750

Buyer Cost Sheet Calculator

Sales Price ($)

Down Payment ($)

Mortgage Amount ($)

Mortgage Rate (%)

Points (%)

Days Interest

Buyer Costs

Total:

$350,000

Points Cost:

$2,100

Breakdown

Mortgage:

$280,000

Points:

$2,100

Interest:

$1,425

Other Costs:

$1,425

Report Generator

Purchase Price ($)

Down Payment (%)

Loan Term (years)

Interest Rate (%)

Property Tax ($/year)

Home Insurance ($/year)

HOA Fees ($/month)

Monthly Rental Income ($)

Monthly Property Tax ($)

Monthly Home Insurance ($)

Management Percent (%)

10%

Maintenance Percent (%)

5%

Vacancy Rate (%)

5%

Annual Appreciation Rate (%)

3.5%

Holding Period (years)

Report

Total Investment:

$70,000

Total Return:

$583,000

Breakdown

Principal & Interest:

$1,425

Property Tax:

$350

Insurance:

$120

HOA Fees:

$0

Management:

$167

Maintenance:

$83

Vacancy:

$167

Total Cash Flow:

$1,767

Real Estate Commission Calculator

Calculate your commission earnings and splits with precision

Sale Price ($)

Total Commission Rate (%)

6%

Listing Agent Split (%)

70%

Selling Agent Split (%)

70%

Transaction Fee ($)

You are the:

💰 Commission Breakdown

Your Gross Commission

$18,900

Your Net Commission

$18,505

💸 Commission Details

Total Commission:

$27,000

Listing Side:

$13,500

Selling Side:

$13,500

Your Commission (Before Fees):

$18,900

Transaction Fees:

$395

Your Net Commission:

$18,505

Property Comparison Tool

Compare up to 3 properties side-by-side for your clients

🏠 Property A

Price ($)

Square Feet

Bedrooms

Bathrooms

HOA ($/month)

Year Built

🏠 Property B

Price ($)

Square Feet

Bedrooms

Bathrooms

HOA ($/month)

Year Built

🏠 Property C

Price ($)

Square Feet

Bedrooms

Bathrooms

HOA ($/month)

Year Built

📊 Property Comparison Results

Property A

$202/sqft

Price per Sq Ft

Property B

$203/sqft

Price per Sq Ft

Property C

$207/sqft

Price per Sq Ft

🏆 Best Value Analysis

Best Price per Sq Ft:

Property A

Most Bedrooms:

Property C (4 bedrooms)

Newest Property:

Property C (2020)

Lowest HOA:

Property B ($0/month)

Recommended Choice:

Property A

Rent vs Buy Calculator

Determine whether renting or buying makes more financial sense for your situation

🏠 Buying Scenario

Home Price ($)

Down Payment (%)

20%

Interest Rate (%)

4.5%

Loan Term (years)

Annual Property Tax ($)

Annual Home Insurance ($)

Monthly HOA Fees ($)

Annual Maintenance (% of home value)

1.5%

🏠 Renting Scenario

Monthly Rent ($)

Annual Rent Increase (%)

3%

Security Deposit ($)

💰 Investment Assumptions

📊 Renter Investment Strategy

This calculator assumes renters invest their down payment amount ($80,000) in an investment portfolio earning the return rate below.

Annual Investment Return (%) - For Down Payment Investment

7%

Annual Home Appreciation (%)

3%

Time Period (years)

🏆 Rent vs Buy Analysis

Better Option

Buying

Cost Difference

$45,000

💵 Buying Costs (5 years)

Down Payment:

$80,000

Monthly Payment:

$1,900

Total Payments:

$114,000

Maintenance & Taxes:

$32,000

Home Value:

$464,000

Equity Built:

$64,000

Principal Paid Down:

$32,000

Appreciation Gain:

$64,000

Net Cost (5 years):

$162,000

🏠 Renting Costs (5 years)

Initial Rent:

$2,200

Final Rent (Year 5):

$2,548

Total Rent Paid:

$141,000

Security Deposit:

$2,200

Down Payment Invested:

$80,000

Investment Growth:

$112,000

Investment Gain:

$32,000

Net Cost (5 years):

$31,200

Refinancing Calculator

Calculate refinancing savings and determine your break-even point

🏠 Current Loan

Current Loan Balance ($)

Current Interest Rate (%)

5.5%

Current Monthly Payment ($)

Years Remaining on Current Loan

🆕 New Loan

New Interest Rate (%)

4.0%

New Loan Term (years)

Total Closing Costs ($)

Points (% of loan amount)

0%

💰 Refinancing Analysis

Monthly Savings

$312

Break-Even Period

13.5 months

💵 Payment Comparison

Current Monthly Payment:

$1,895

New Monthly Payment:

$1,583

Monthly Savings:

$312

Annual Savings:

$3,744

🎯 Break-Even Analysis

Total Closing Costs:

$4,200

Points Cost:

$0

Total Upfront Cost:

$4,200

Break-Even Time:

13.5 months

5-Year Total Savings:

$14,520

HELOC Calculator

Calculate your Home Equity Line of Credit options and monthly payments

Current Home Value ($)

Existing Mortgage Balance ($)

Max LTV Ratio (%)

80%

Desired Credit Limit ($)

Current HELOC Balance ($)

Interest Rate (%)

6.5%

Repayment Period (years)

🏦 HELOC Analysis

Available Equity

$220,000

Monthly Payment

$950

💰 Equity Breakdown

Home Value:

$500,000

Existing Mortgage:

$280,000

Current Equity:

$220,000

Maximum Credit Line:

$120,000

Available to Borrow:

$120,000

Property Flip Calculator

Calculate potential profits and ROI for fix-and-flip projects

🏠 Purchase Details

Purchase Price ($)

Closing Costs ($)

🔧 Renovation Costs

Total Renovation Budget ($)

Contingency Fund (%)

15%

💰 Holding & Sale

Holding Period (months)

Monthly Carrying Costs ($)

After Repair Value - ARV ($)

Sale Costs (% of ARV)

8%

💎 Flip Analysis

Net Profit

$18,700

ROI

24.8%

💸 Cost Breakdown

Purchase Price:

$180,000

Renovation Costs:

$45,000

Contingency Fund:

$6,750

Carrying Costs:

$13,200

Sale Costs:

$22,000

Total Investment:

$266,950

Sale Price (ARV):

$275,000

Net Profit:

$8,050

BRRRR Strategy Calculator

Buy, Rehab, Rent, Refinance, Repeat investment analysis

🏠 Buy & Rehab

Purchase Price ($)

Rehab Costs ($)

Closing & Holding Costs ($)

🏠 Rent

Monthly Rent ($)

Monthly Expenses (% of rent)

35%

💰 Refinance

After Repair Value - ARV ($)

Refinance LTV (%)

75%

Refinance Interest Rate (%)

5.5%

Refinance Term (years)

🔄 BRRRR Analysis

Money Left In Deal

$14,000

Monthly Cash Flow

$542

💵 Investment Summary

Total Investment:

$149,000

Refinance Amount:

$135,000

Cash Recovered:

$135,000

Cash Left in Deal:

$14,000

New Mortgage Payment:

$1,088

Net Cash Flow:

$542

Cash-on-Cash ROI:

46.4%

HouseMath.app

Mortgage Calculator

Investment Property

Rental Cash Flow

Commission Calculator

Closing Costs

Buyer Cost Sheet

Property Comparison

Rent vs Buy

Refinancing

HELOC Calculator

Property Flip

BRRRR Strategy

$ Mortgage Calculator

Monthly Breakdown

Loan Summary

Investment Property Analysis

Investment Analysis

Monthly Cash Flow

Future Value

Rental Cash Flow Calculator

Cash Flow Analysis

Net Operating Income

Cash Flow

Closing Costs Calculator

Closing Costs

Breakdown

Buyer Cost Sheet Calculator

Buyer Costs

Breakdown

Report Generator

Report

Breakdown

Real Estate Commission Calculator

💰 Commission Breakdown

💸 Commission Details

Property Comparison Tool

🏠 Property A

🏠 Property B

🏠 Property C

📊 Property Comparison Results

Property A

Property B

Property C

🏆 Best Value Analysis

Rent vs Buy Calculator

🏠 Buying Scenario

🏠 Renting Scenario

💰 Investment Assumptions

📊 Renter Investment Strategy

🏆 Rent vs Buy Analysis

💵 Buying Costs (5 years)

🏠 Renting Costs (5 years)

Refinancing Calculator

🏠 Current Loan

🆕 New Loan

💰 Refinancing Analysis

💵 Payment Comparison

🎯 Break-Even Analysis

HELOC Calculator

🏦 HELOC Analysis

💰 Equity Breakdown

Property Flip Calculator

🏠 Purchase Details

🔧 Renovation Costs

💰 Holding & Sale

💎 Flip Analysis

💸 Cost Breakdown

BRRRR Strategy Calculator

🏠 Buy & Rehab

🏠 Rent

💰 Refinance

🔄 BRRRR Analysis

💵 Investment Summary

Mortgage Calculator