Free Real Estate Tools
Mortgage calculators, affordability estimators, closing cost tools, and investment analyzers — built for buyers, sellers, and investors. 9 tools, all free.
Mortgage Payment Calculator
Estimate full monthly housing payment including taxes, insurance, HOA, PMI, and closing costs.
Use tool →Affordability Calculator
Estimate max home price using income, debt, DTI limits, and total housing cost assumptions.
Use tool →Down Payment Calculator
Calculate how much to save for a home down payment and how long it will take.
Use tool →Closing Cost Estimator
Estimate buyer or seller closing costs with itemized fees, taxes, and cash-needed-at-closing totals.
Use tool →Net Proceeds Calculator
Estimate real estate seller proceeds after commissions, fees, taxes, and mortgage payoff.
Use tool →Refinance Calculator
Compare your current loan against refinance terms with break-even and long-term cost impact.
Use tool →Rent vs Buy Calculator
Compare long-term net worth outcomes using appreciation, rent growth, and investment return assumptions.
Use tool →Free Tools for Every Real Estate Decision
Buying a home is one of the biggest financial decisions most people will ever make, and it comes with a lot of moving parts. From figuring out what you can actually afford to understanding the full cost of a monthly mortgage payment, the details matter. SmarterSources gives you free, browser-based real estate calculators that help you run the numbers before you commit. No accounts, no data collection, and no usage limits — just open a tool and start planning.
Make Smarter Home Buying Decisions
Before you start touring homes, you need to know your numbers. The Affordability Calculator helps you estimate the maximum home price based on your income, existing debts, and target debt-to-income ratio. Once you have a price range in mind, the Mortgage Payment Calculator breaks down your full monthly cost — principal, interest, taxes, insurance, HOA, and PMI — so there are no surprises after closing. The Down Payment Calculator helps you figure out how much to save and how long it will take to reach your goal, while the Closing Cost Estimator gives you an itemized look at the fees and taxes you will owe at the closing table.
Analyze Selling and Refinancing Scenarios
If you already own a home, these tools help you evaluate your next move. The Net Proceeds Calculator estimates what you will actually walk away with after commissions, fees, taxes, and paying off your remaining mortgage balance. Thinking about refinancing? The Refinance Calculator lets you compare your current loan terms against a new rate, showing the break-even timeline and total cost savings. And if you are weighing whether to keep renting or take the plunge into homeownership, the Rent vs Buy Calculator models long-term net worth outcomes using appreciation, rent growth, and investment return assumptions.
Evaluate Investment Properties
Real estate investing requires clear-eyed analysis. The Property Tax Calculator helps you estimate annual and monthly tax obligations based on assessed value, local rates, and any applicable exemptions. For rental property investors, the Rental Property ROI Calculator delivers a full financial picture — cash flow projections, cap rate, cash-on-cash return, and net operating income — so you can compare deals and make data-driven decisions about where to put your money.
Frequently Asked Questions
How much house can I afford?
A common guideline is that your total monthly housing costs should not exceed 28% of your gross monthly income, and your total debt payments should stay below 36%. However, these limits vary by lender and loan type. Our Affordability Calculator lets you plug in your income, monthly debts, expected interest rate, and down payment to estimate your maximum purchase price based on both front-end and back-end DTI ratios.
What do closing costs typically include?
Closing costs generally range from 2% to 5% of the home price and can include lender origination fees, appraisal fees, title insurance, attorney fees, escrow deposits, recording fees, and prepaid property taxes and homeowners insurance. Buyers and sellers each have their own set of closing costs. Our Closing Cost Estimator breaks these down line by line so you know exactly what to expect and how much cash you need at closing.
When does it make sense to refinance?
Refinancing typically makes sense when you can lower your interest rate by at least 0.5% to 1%, though the real answer depends on how long you plan to stay in the home and the total cost of the new loan. Our Refinance Calculator compares your current loan against the proposed terms, calculates monthly savings, shows the break-even point where savings offset closing costs, and projects total interest paid over the life of each loan so you can make an informed decision.
Do these tools store my data or require an account?
No. Every tool runs entirely in your browser. We do not collect, store, or transmit any of your financial data. There are no accounts, no sign-ups, and no usage limits. Your numbers stay on your device and are never sent to a server.