Real Estate Calculators

Free Real Estate Calculators

7 free calculators for home buyers, sellers, and property investors. No account, no install, no realtor sign-up required.

Browse the calculators See Finance Tools

About these calculators

Evidence-based formulas. Scenarios, not single numbers.

Estimates only — not financial or legal advice. Results depend on rates, taxes, and conditions that change frequently. Consult a licensed mortgage broker, realtor, or lawyer before making real-estate decisions.

Real estate decisions are among the largest financial choices most people make, and the gap between a rough estimate and a realistic projection can be tens of thousands of dollars. These calculators use the same underlying formulas that mortgage brokers, real estate investors, and financial advisors use to structure deals — applied directly in your browser so you can explore scenarios before you sit across from anyone.

Every calculator here is built for scenarios over single numbers. The Mortgage Payoff Calculator does not just tell you your amortization end date — it shows you how a $200 monthly prepayment or a single lump-sum payment changes that date and the total interest you pay. The Rent vs Buy Calculator runs both paths forward over a time horizon you choose, factoring in opportunity cost on the down payment, property appreciation, and the principal paydown you build as an owner. The BRRRR and House Flip tools model the full deal cycle: purchase, rehab, refinance (or resale), and the return on the capital you put in.

Rates and tax rules differ between Canada and the United States, and between provinces. The Home Affordability Calculator applies the standard 28/36 gross debt service ratios used by Canadian lenders, and the Closing Cost Calculator includes land transfer tax (with the Toronto municipal surcharge as an option). US users will find the debt-to-income framework and closing cost categories align with conventional and FHA lending standards. Where a figure depends on your jurisdiction, each tool surfaces that clearly so you know which number to verify locally.

None of these tools require an account or email address. All calculations run client-side in your browser. There is nothing to sign up for and no data stored on any server. Open the calculator, type your numbers, and get your answer immediately on any device.

All Real Estate Calculators

7 free calculators, organized by what you want to figure out.

Pick the calculator that matches your situation. Every tool opens instantly in any modern browser on phone, tablet, or desktop.

Buying

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Home Affordability Calculator

Free home affordability calculator. Find out how much house you can afford based on your income, debts, down payment, and interest rate. See your max price instantly.

📅

Mortgage Payoff Calculator

Free mortgage payoff calculator. See how extra payments accelerate your payoff date and reduce total interest. Compare monthly, annual, and lump-sum payment strategies.

📋

Closing Cost Calculator

Free closing cost calculator for home buyers and sellers. Get a detailed breakdown of lender fees, title insurance, land transfer taxes, and prepaid expenses instantly.

Investing

📈

Property ROI Calculator

Free rental property ROI calculator. Enter purchase price, rent, and expenses to calculate cash-on-cash return, cap rate, and annual ROI for any investment property.

🔄

BRRRR Calculator

Free BRRRR calculator for real estate investors. Enter purchase price, rehab costs, ARV, and rental income to calculate cash-out equity, monthly cash flow, and ROI instantly.

🔨

House Flip Calculator

Free house flip calculator. Enter purchase price, renovation costs, ARV, and holding costs to calculate your flip profit, ROI, and 70% rule compliance instantly.

Comparing

📊

Rent vs Buy Calculator

Free rent vs buy calculator. Compare the true cost of renting versus buying a home over any time horizon. Factor in appreciation, taxes, and opportunity cost.

FAQ

Frequently asked questions.

Common questions about using these real estate calculators, their accuracy, and when to bring in a professional.

How accurate are these calculators?

The formulas used here match industry-standard methods: amortization uses the standard mortgage formula (monthly rate compounding), affordability uses the 28/36 gross debt service ratios required by Canadian lenders (TDS/GDS), and investment metrics use the definitions that lenders and appraisers apply. The outputs are as accurate as the inputs you provide. The main source of error is always missing or estimated inputs — your actual property tax bill, insurance quote, and HOA fee will differ from defaults. Treat every result as a planning estimate, not a lender commitment or legal document.

Where do the formulas come from — and can I verify them?

Amortization math follows the standard compound interest formula: M = P[r(1+r)^n] / [(1+r)^n-1]. Cap rate, cash-on-cash return, and ROI are defined the same way across CMHC guidance, CCIM Institute materials, and standard real estate licensing curricula. The 70% rule used in the House Flip calculator (Maximum Offer = ARV × 0.70 − Repair Costs) is the most widely cited rule of thumb in fix-and-flip underwriting. The BRRRR cash-out equity model follows the approach documented by BiggerPockets and standard appraisal practice. You can verify each calculation by opening the browser console — every result is derived from the inputs you can see on screen.

Do these calculators work for Canada and the United States?

Most tools work for both countries, but there are jurisdiction-specific differences to be aware of. In Canada, mortgage rates compound semi-annually by law (not monthly like US mortgages) — where this matters, it is called out in the calculator. Land transfer tax in the Closing Cost Calculator covers Canadian provincial rates including the Toronto municipal surcharge. CMHC mortgage insurance premiums (required when the down payment is under 20% in Canada) are included in the affordability and closing cost tools. US users will find the GDS/TDS framework maps closely to the conventional 28/36 debt-to-income ratios, and the closing cost categories align with standard US lending practice. Always verify province- or state-specific rates before relying on any figure for a real transaction.

When should I use a calculator versus talking to a mortgage broker or agent?

Use these calculators to understand the ballpark before any professional conversation. Knowing your rough affordability range, your break-even point on buying versus renting, or a deal's approximate cash-on-cash return going into a meeting makes that conversation more productive. However, a licensed mortgage broker has access to live rate sheets from multiple lenders and can pull your credit profile — that produces a pre-approval, not an estimate. A real estate lawyer handles title searches, closing documents, and tax filings that no calculator can replace. A REALTOR has access to current comparable sales and local market knowledge that changes month to month. These tools are for your own analysis. Professional advice is required before you sign anything.

What about CMHC mortgage insurance and stress test rules?

The Home Affordability Calculator accounts for CMHC (Canada Mortgage and Housing Corporation) mortgage insurance premiums, which are required for insured mortgages with a down payment of less than 20%. It also applies the Canadian mortgage stress test, which requires borrowers to qualify at either 5.25% or the contract rate plus 2%, whichever is higher. This stress test rate changes — the calculator uses the current posted qualifying rate but you should verify the current stress test rate with your lender. CMHC insurance itself ranges from 2.8% to 4.0% of the mortgage amount depending on the loan-to-value ratio, and it is added to your mortgage principal rather than paid upfront in most cases.

Do I need an account to save my calculations?

No. All calculators run entirely in your browser without any account or sign-in. There is no server-side storage — nothing you enter is sent anywhere. If you want to save a specific scenario, use your browser's print function to save as PDF, or copy the key numbers into your own spreadsheet. Each calculator is stateless: if you close the tab and reopen it, the inputs reset to defaults. For more complex modelling where you need to save and compare multiple scenarios over time, a dedicated spreadsheet application like Excel or Google Sheets is a better fit than a web calculator.

What is the BRRRR strategy and who is it for?

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. The strategy involves purchasing a distressed property below market value, renovating it to force appreciation, renting it out to cover carrying costs, then refinancing at the new (higher) appraised value to pull out equity — ideally enough to recover most or all of the original cash invested. That recovered capital is then recycled into the next deal. The BRRRR Calculator models whether a specific deal hits the equity targets needed to make the refinance work, what the post-refinance cash flow looks like, and the effective ROI on the equity left in the deal. It is used by real estate investors building rental portfolios, not by owner-occupiers buying a primary residence.

Can I use these on my phone or tablet?

Yes. Every calculator is fully responsive and works on any screen size. The input fields and result panels reflow to a single column on small screens, and all sliders and number inputs are touch-friendly. There is no app to download — just open the calculator in your mobile browser. Calculations run instantly in the browser without any server round-trip, so they are fast even on a slow mobile connection. The tools work in Chrome, Safari, Firefox, and Edge on both iOS and Android.

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