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9 free Housing & Real Estate — accurate, no signup.
Calculate how extra payments reduce your mortgage term and total interest paid. Supports annuity and differentiated payment schedules.
Should you rent or buy? Compare total costs including mortgage, taxes, appreciation, and opportunity cost over time.
Estimate max home price using debt ratios, down payment, mortgage rate, and state-specific property tax assumptions.
Total HOA cost over 10–30 years with growth and special assessments. See what condo dues really cost.
Fair rent division by room size and private bath. Split by sq ft with amenity premium.
How much rent can you afford? 30% rule: max rent = 30% of gross income. 25% conservative, 35% stretch.
How long to save for a home down payment? Target, current savings, monthly contribution, expected return. Year-by-year projection.
Should you refinance? Break-even months, monthly P&I savings, and lifetime savings net of closing costs.
Are discount points worth it? Compare permanent points and 2-1, 3-2-1 temporary buydowns. Cost, monthly savings, break-even, payment ladder.