Real-estate calculators
Buying, renting and running costs — what a budget actually buys, what a rental yields once charges are in, what the fees add on top. The costs that never appear in the asking price are the ones that move a yield by a full point, so they have their own section here.
Buying (25)
All 25 tools →Amortization CalculatorCompute your monthly mortgage payment and how it splits between interest and principal.ARM mortgage calculatorSee how an adjustable-rate mortgage could move. Enter the loan, the fixed introductory rate and how long it lasts (3/5/7/10 years), the term and the rate caps. The tool shows the initial payment, the maximum payment after the first adjustment (initial cap, bounded by the lifetime cap) and the worst-case payment at the lifetime ceiling — with an optional fixed-rate comparison.Cap rate calculatorCompute the capitalization rate of a rental property, and compare it with the market rate of your own comparable sales.Construction loan calculatorEstimate a construction-to-permanent loan in two phases. During the build you pay interest only on the funds drawn, so the calculator applies your rate to the average outstanding balance (which depends on the draw schedule). It then amortises the permanent mortgage that replaces the construction loan.Down payment calculatorWork out your down payment, the loan it leaves, the cash you still have to find and the month you get there.FHA loan calculatorEstimate the payment on an FHA-insured mortgage. It applies the minimum down payment for your credit score (3.5% at 580+, 10% at 500–579), finances the 1.75% upfront mortgage insurance premium (UFMIP), adds the monthly annual MIP, and totals principal, interest and insurance — plus optional taxes, home insurance and HOA.
Cash-on-cash return calculatorCompute the cash-on-cash return of a property from its annual cash flow and cash invested.Gross rent multiplier calculatorCompute the gross rent multiplier (GRM) of a property from price and annual rent.Maximum rent calculatorSet your own effort rate, take out charges and running loans, and read the rent against two published reference lines.Prorated Rent CalculatorWork out the partial rent owed for a mid-month move-in or move-out, by actual days, a 30-day month or 365-day basis.Rent Affordability CalculatorSee how much rent you can afford using the 30% rule and a debt-adjusted 28/36 rule, and test a target rent.Rent increase calculatorWork out your new rent and the increase amount after a percentage rise.
Costs & taxes (5)
1031 exchange calculatorA US Section 1031 like-kind exchange lets a real-estate investor defer capital-gains tax by rolling the proceeds of a sold property into a replacement. This tool computes the adjusted basis, the realized gain, and the taxable 'boot' from any cash or debt not reinvested — then shows the gain deferred and the tax you would owe if you simply sold instead.Closing Costs CalculatorEstimate the closing costs on a home purchase as a share of the price.Notary fees calculatorEstimate notary fees on a property purchase (France).Real Estate Commission CalculatorSplit the agent commission on a sale and see the seller's net proceeds after the mortgage.UK stamp duty calculator (SDLT)Stamp Duty Land Tax on a property purchase in England and Northern Ireland, at the current bands: nil-rate to £125k, then 2%, 5%, 10% and 12%. It applies first-time-buyer relief (nil to £300k), the additional-property surcharge (+5%) and the non-resident surcharge (+2%), and shows the effective rate.