Buying
Borrowing capacity, notary fees, deposit and total acquisition cost, with rates given per country. 25 tools, including Amortization Calculator, ARM mortgage calculator, Cap rate calculator and Construction loan calculator. All free, with no account and nothing to install.
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.HELOC calculatorSize a home equity line of credit. From your home value and mortgage balance it shows the equity you can borrow against at a target combined loan-to-value, then computes the draw-period and repayment-period payments — interest-only or full principal-and-interest during the draw — plus the total interest.Home Affordability CalculatorFind the maximum home price you can afford from your income, debts and down payment, using the 28/36 debt-to-income rules.Home Equity CalculatorWork out the equity in your home from its value and your mortgage balance, with LTV, borrowable amount and a future projection.Housing Appreciation CalculatorMeasure how much a property has appreciated between two dates, get the annualised rate (CAGR) and project its future value.Interest-Only Mortgage CalculatorShows the payment shock at the end of the interest-only period: the low payment while only interest is due, the higher one once the whole principal has to be repaid over the years that are left, and the exact size of the jump. Puts the lifetime interest side by side with a fully amortising loan of the same rate and term.Land loan calculatorWork out the payment on a land or lot loan. Enter the price, a down payment (percent or amount), the rate and the term, and optionally a balloon: the payment amortises over the full term while the calculator shows the balance still owed when the balloon comes due. Raw land usually carries higher rates and larger down payments than improved lots.Loan-to-value (LTV) calculatorYour loan-to-value ratio, against a threshold that is actually written somewhere — and what it would take to get under it.Mortgage Comparison CalculatorCompare two mortgages — payment, total interest and total cost — to see which term and rate wins.Mortgage Overpayment CalculatorSee how much time and interest you save by paying extra on your mortgage each month.Mortgage points calculatorCompute the upfront cost of mortgage discount points on a loan.Mortgage recast calculatorA recast re-amortises your mortgage after a lump-sum principal payment, keeping the same rate and remaining term but lowering the monthly payment. Enter your current balance, rate, original term, months already paid, the lump sum and any recast fee to see the new payment and the interest you save.Parking ratio calculatorThe parking ratio of a commercial property, on both conventions at once: spaces per 1,000 ft² of leasable area — the figure US tenants and lenders compare — and spaces per 100 m², the way the same car park is described in Europe. They are not interchangeable: 1,000 ft² is 92.903 m², so 4 spaces per 1,000 ft² is 4.31 per 100 m². Enter the spaces and the floor area in your own unit; both ratios and the area served by each space come out together.PMI calculator (private mortgage insurance)Private mortgage insurance is charged when you put down less than 20%. From the price, down payment, term and rate the calculator finds your loan-to-value, estimates the annual PMI rate (or uses yours), and shows the monthly PMI, when it should drop off at 78% LTV, and the total PMI you'll pay until then.Price per square meter calculatorPrice per square metre and per square foot, from a total price and a surface — with the garage or the land taken back out.Refinance savings calculatorSee how much you save each month by refinancing your mortgage — with closing costs, discount points and the break-even month.Renovation cost calculatorBuild a renovation budget from your own quoted price per m² — or per ft²: the surface and the price follow the same choice — with contingency, professional fees and VAT.Reverse mortgage calculator (HECM estimate)Estimate how much a HECM reverse mortgage could provide. Based on the youngest borrower's age (62+), the home value (capped at the 2026 HECM limit of $1,249,125) and the expected interest rate, it approximates the principal limit factor, the gross principal limit, the mandatory payoff of any existing mortgage and the net amount available to you.Storage Unit Size CalculatorBuild an inventory of furniture, appliances, boxes and outdoor gear, pick a packing efficiency and get the right unit on the 5×5 to 10×30 ladder, with metric equivalents.VA Loan Calculator (US)Full PITI for a US Department of Veterans Affairs home loan: the funding fee at the official rate for first use, subsequent use or an exemption, financed into the loan or paid in cash, plus property tax, insurance and HOA. VA loans carry no mortgage insurance, so the funding fee is the whole of the extra cost.