Real Estate Calculators

Free Tools

Run your own numbers before you decide. These tools are estimates to help guide the conversation — I'm always happy to go over the details with you.

Mortgage Payment Calculator

Home Price

Down Payment %

Interest Rate %

Loan Term

Monthly Payment

Loan Amount

Down Payment

Est. Closing Costs

Understanding Your Payment

This estimate covers principal and interest only. Your actual monthly payment will also include property taxes, homeowners insurance, and possibly HOA or mortgage insurance (PMI) if your down payment is under 20%.

Tip: closing costs typically run 2–5% of the loan amount. I can connect you with a trusted lender to get pre-approved and see your real numbers.

Rent vs. Buy Calculator

Home Price

Down Payment %

Interest Rate %

Annual Appreciation %

Monthly HOA

Comparable Monthly Rent

Annual Rent Increase %

Renters Insurance / yr

Years to Compare

Investment Return % (if renting & investing the difference)

Which Makes Sense for You?

Buying builds equity over time through paydown and appreciation, but comes with upfront costs and less flexibility. Renting offers flexibility and lets you invest the difference elsewhere — the right answer depends on how long you plan to stay and your financial goals.

Tip: if you plan to stay 5+ years, buying usually pulls ahead. Shorter timelines often favor renting once you factor in closing and selling costs.

Affordability Calculator

Annual Household Income

Monthly Debts (car, student loans, cards)

Interest Rate %

Down Payment $

Max Home Price

Est. Monthly Payment

30% Rule Max

30% Rent Budget

The 28/36 Rule

Lenders typically want your housing payment under 28% of gross monthly income, and your total debt (housing + other debts) under 36%. This calculator uses those guidelines to estimate what you can comfortably afford.

Tip: this is a starting point, not a pre-approval. Let's talk about your full financial picture to get an accurate number from a lender.