Homebuyer Calculators

Making the biggest purchase of your life? Get the numbers right first. Our free calculators help you make confident, data-driven decisions.

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Rent vs Buy Calculator

Should you rent or buy?

Compare the true cost of renting versus buying over 5, 10, or 30 years. See your break-even point and long-term wealth accumulation under each scenario.

✓ Break-even Analysis ✓ Wealth Projection ✓ Opportunity Cost

Calculate Now →

⏱ ~3 min 📊 Charts

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Affordability Calculator

How much house can you afford?

Calculate your maximum home price based on income, existing debts, and down payment. Uses conservative and aggressive DTI ratios to show your range.

✓ DTI Analysis ✓ Budget Planning ✓ Lender Guidelines

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⏱ ~2 min 📊 Charts

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Down Payment Optimizer

3%, 10%, or 20% down?

Find your optimal down payment. Compare total costs including PMI, see break-even timelines, and understand when putting less down actually makes sense.

✓ PMI Calculator ✓ Scenario Comparison ✓ Break-even Point

Optimize Now →

⏱ ~2 min 📊 Charts

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Mortgage Comparison

Compare loan options side by side

Compare up to 3 mortgage offers at once. See monthly payments, total interest, and which loan truly costs less over 15 or 30 years.

✓ 15 vs 30 Year ✓ Total Interest ✓ Side-by-Side

Compare Now →

⏱ ~3 min 📊 Charts

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True Cost Calculator

All the hidden costs revealed

Your mortgage is just the beginning. Calculate ALL homeownership costs including taxes, insurance, maintenance, HOA, utilities, and unexpected repairs.

✓ Hidden Costs ✓ Annual Breakdown ✓ Maintenance Reserve

Calculate Now →

⏱ ~4 min 📊 Charts

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