Free Calculators

Real Estate Tools & Calculators

Quick, free calculators for agents and their clients. Everything runs in your browser — no sign-up, and nothing you enter is saved.

Loan details

Home price

Down payment

Interest rate

Loan term

Property tax rate

Of home price per year.

Homeowners insurance

Of home price per year.

PMI rate

PMI is off and not included.

Monthly HOA

Estimated monthly payment

Principal & interest: $0
Property tax (1.00%): $0
Homeowners insurance (0.35%): $0
PMI (off): $0
HOA: $0
Total estimated monthly payment: $0
Down payment: $0
Loan amount: $0
Total interest over term: $0

How a monthly payment estimate works

Principal and interest use standard fixed-rate amortization over the loan term (a 0% rate simply divides the loan evenly). Property tax and insurance are yearly figures divided by 12; PMI is a yearly rate applied to the loan amount.

Default tax (1.00%), insurance (0.35%) and PMI (0.50%) rates are editable planning placeholders, not local quotes. Closing costs, points, escrow adjustments and future tax or insurance changes are excluded; PMI is included only if you turn it on.