House Buying and Selling Calculators

Buying or selling a home involves a lot of numbers, and it helps to see them clearly before you commit. This site brings together free calculators covering the main parts of the process: what a mortgage will cost each month, how much deposit you need, how overpayments change the length of a loan, what remortgaging might save, and how much you could borrow for the payment you can afford. Each calculator runs in your browser, so you can change the figures and see the result straight away.

Every calculator shows the formula it uses and a worked example, so you can check the working yourself. The site also includes tools for rental property, such as cap rate and return on investment, along with savings and general finance tools like compound interest and present value. Use these as a starting point for your own planning, and speak to a qualified adviser or your lender before making decisions about a mortgage or a property purchase.

25 calculatorsThe formula on every pageWorks in your browser

25 calculators in 2 groups

Most used

by how often people search for them

#1House Buying CostsThe monthly mortgage payment (principal and interest) from price, down payment, rate and term, plus your own property tax, insurance and HOA amounts if you add them.390 searches a month #2Buying And Selling House CostsThe down payment on a home or car as a percentage of the price, and the amount left to borrow.140 searches a month

#3Cost To Move HouseThe price per square foot (or square metre) of a home, a lot or a job, from the price and the area.140 searches a month #4Moving CostThe loan-to-value ratio of a mortgage or secured loan, and the equity, from the loan amount and the property value.110 searches a month

Building and home

1Materials and quantities for building and home projects

Cost To Move HouseThe price per square foot (or square metre) of a home, a lot or a job, from the price and the area.

Loans and savings

24Loans, interest, savings and other money sums

House Buying CostsPopularThe monthly mortgage payment (principal and interest) from price, down payment, rate and term, plus your own property tax, insurance and HOA amounts if you add them.Buying And Selling House CostsThe down payment on a home or car as a percentage of the price, and the amount left to borrow.Moving CostThe loan-to-value ratio of a mortgage or secured loan, and the equity, from the loan amount and the property value.Mortgage PayoffHow much sooner a mortgage is paid off, and the interest saved, with an extra monthly payment and a one-time lump sum.Mortgage PaymentThe monthly payment, total interest and total paid on a fixed-rate loan, with a year-by-year schedule.Mortgage AmortizationA year-by-year schedule of a fixed-rate loan or mortgage: principal, interest and balance.Biweekly MortgageHow much sooner a mortgage is paid off, and the interest saved, by paying half the monthly payment every two weeks.Mortgage Payoff DateThe monthly payment needed to pay off a mortgage or loan in a chosen number of years, and the extra that means each month.Remaining Mortgage BalanceWhat is still owed on a loan after a number of payments, and how much of what you paid went to interest.Remortgage SavingsWhat refinancing a loan saves each month, how many months the closing costs take to pay back, and the difference in total paid.Mortgage PointsWhether buying mortgage discount points pays off: their cost, the monthly saving from the lower rate and how many months it takes to get the cost back.Debt To Income RatioYour debt-to-income ratio: monthly debt payments as a percentage of gross monthly income.Interest Only MortgageThe monthly payment on an interest-only loan or mortgage, and the interest paid over the interest-only period.Balloon MortgageA balloon loan: the monthly payment worked out over a long amortization period, and the balance still owed (the balloon) when the loan comes due early.Home Equity LoanHELOC payments: interest-only during the draw period, then the payment that repays the balance over the repayment period.Cap RateThe capitalization rate of a rental property: net operating income as a percentage of the property value.Return On InvestmentThe return on an investment as a percentage, and per year if you give the years held.Property AppreciationThe compound annual growth rate between a starting and an ending value over a number of years.Investment PaybackHow long an investment takes to pay for itself from the cash it brings in each year.House Deposit SavingsHow much to save each month to reach a goal by a date, with interest.Compound InterestHow savings grow with compound interest and monthly deposits, with a year-by-year table.How Much Can I BorrowHow much you can borrow for a monthly payment you choose, at a rate and term: the loan payment formula worked backwards.Prorated RentRent for part of a month: a daily rate from the monthly rent, times the days you pay for.Present ValueWhat a future amount is worth today, discounted at a yearly rate.

How these calculators work

Every calculator shows the formula it uses and a worked example.
Results are worked out in your browser as you type.
Product figures, like what a bag yields, come from the label of what you buy. Where every figure comes from is listed on the sources page.