Calculators

Ten calculators. Ten pages. No tabs.

Each one recalculates as you type, shows its working in a full amortisation table, draws the result in both light and dark, and puts its whole state in the web address so you can send it to somebody. Every figure is illustrative: nothing here is a rate, a quote or an offer.

Purchase Payment Calculator

Principal, interest, taxes, insurance, mortgage insurance and HOA — itemised, not rolled into one number.

Answers the full monthly payment at any price

Affordability Calculator

Start from income and debts, and see which constraint binds before you see a number.

Answers a defensible price range, and why

Amortisation Schedule

The whole schedule, switchable between month-wise and year-wise, with a running interest total.

Answers where every dollar of every payment goes

Extra Payment Calculator

A standing extra amount, a one-off lump sum, or both — against interest saved and months removed.

Answers interest saved and years removed

Refinance & Break-even Calculator

A new rate against the cost of getting it, and the point where the two cross.

Answers whether, and when, it is worth it

Rent vs Buy Calculator

Thirty years of cumulative cost on both sides, with every assumption on the surface.

Answers the year buying moves ahead

VA Purchase Calculator

No monthly mortgage insurance, but a funding fee that varies with use and down payment.

Answers the real number on a $0-down VA loan

VA Refinance Calculator

Streamline or cash out, with the funding fee and the break-even month.

Answers the saving, and what it cost to get

DSCR Calculator

Rent, operating cost and debt service — the ratio a DSCR lender underwrites to.

Answers the coverage ratio and the cash flow

Fix & Flip Calculator

Acquisition, renovation, carrying cost and cost to sell, against the resale price.

Answers the net profit, and the cash it took