Home, Property & Mortgages

• Home Affordability CalculatorWork out the most expensive home your monthly housing budget can support, including property tax as a share of price, insurance and fees.
• Down Payment CalculatorCalculate the down payment and closing costs for a home and how many months of saving it will take to have the cash.
• Mortgage Refinance CalculatorDecide whether refinancing pays off: compare old and new payments, the break-even month for closing costs and the lifetime cost difference.
• Rent vs Buy CalculatorCompare the net cost of renting versus buying a home over your planned stay, including equity, appreciation and opportunity cost.
• Home Equity CalculatorCalculate your home equity, combined loan-to-value ratio and how much a lender might let you borrow against the home.
• Loan-to-Value (LTV) CalculatorCalculate loan-to-value (LTV) and combined LTV ratios and the paydown needed to reach 80 % LTV.
• Property Investment Yield CalculatorCalculate cap rate, net operating income, cash flow, cash-on-cash return and DSCR for a rental property investment.
• Rental Cash Flow CalculatorEstimate monthly and annual cash flow from a rental after vacancy, mortgage, taxes, insurance, maintenance and management fees.
• Gross Rental Yield CalculatorCalculate gross rental yield and the price-to-rent ratio from a property’s price and monthly rent.
• Net Rental Yield CalculatorCalculate net rental yield after running costs, using the total purchase cost including fees and refurbishment.
• Property Appreciation CalculatorProject a property’s future value at an annual appreciation rate, or find the historical annual growth rate between two values.
• Property Closing Cost CalculatorEstimate home-buying closing costs from lender fees, title or legal fees, transfer taxes and other charges that you enter.
• Mortgage Points CalculatorDecide whether buying mortgage discount points is worth it by finding the break-even month and net lifetime saving.
• Amortization Schedule GeneratorGenerate a dated amortization schedule for any loan with monthly, biweekly, weekly, quarterly or annual payments, and export it to CSV.
• Biweekly Mortgage Payment CalculatorSee how paying half your mortgage payment every two weeks (26 payments a year) saves interest and shortens the loan.
• Property Tax EstimatorEstimate annual property tax from market value, assessment ratio, exemptions and a tax rate in percent or mills.
• Home Insurance Budget CalculatorEstimate dwelling coverage from rebuild cost and budget for the annual and monthly cost of home insurance.
• HOA Cost CalculatorProject total homeowners-association or service-charge costs over your ownership period, including annual increases and special assessments.
• House Renovation Budget CalculatorBuild a renovation budget from your item list with a contingency allowance, permits and optional sales tax.
• Construction Cost EstimatorEstimate the cost to build from floor area, a local cost per unit area, finish quality, site work, soft costs and contingency.
• Price per Square Foot CalculatorCompare up to three home listings by price per square foot (and per square metre) to spot the best value.
• Price per Square Meter CalculatorCalculate price per square metre from room or floor areas, convert it to per square foot, and price another area at the same rate.
• Rental Deposit CalculatorTotal the cash needed to move into a rental: security deposit, first and last month’s rent, pet deposit and fees.
• Security Deposit Interest CalculatorCalculate interest owed on a rental security deposit between two dates, using simple or annually compounded interest.
• Mortgage Prepayment Comparison CalculatorCompare three mortgage prepayment strategies — extra every month, extra once a year, or a one-time lump sum — by interest saved and payoff time.

Financial results are estimates based on the inputs and assumptions shown. They are not financial advice; confirm figures with your lender, provider or a qualified adviser before making decisions.