Housing Calculators

Compare adding home battery storage with solar exports or off-peak grid charging. Include round-trip losses, backup reserve, capacity fade, local rates, payback and NPV.

Estimate hybrid heat pump water heater payback against an electric or gas tank using UEF, water demand, utility rates, installation costs, and rebates.

Compare the financial impact of renting versus buying a home over time. Includes mortgage calculations, tax benefits, opportunity costs, and investment returns.

Compare adjustable-rate mortgages (ARM) versus fixed-rate mortgages. Analyze payment volatility, total costs over your timeline, and see which mortgage type fits your situation better.

Should you make extra mortgage payments or invest that money instead? Compare guaranteed interest savings vs potential investment returns with comprehensive tax analysis.

Compare refinancing your mortgage versus investing the closing costs. Calculate payback periods, NPV analysis, and see which option maximizes your wealth over time.

Calculate a complete monthly mortgage payment and compare 15-year versus 30-year financing, amortization, extra payments, and investing the payment difference.

Compare a HELOC, fixed home equity loan, and cash-out refinance while accounting for your existing mortgage, variable rates, closing costs, and repayment structure.

Compare buying solar panels with a power purchase agreement, lease, and utility-only service using production, rate escalators, financing, incentives, and export credits.

Compare commercial leases using base rent, CAM, taxes, insurance, utilities, escalations, free rent, upfront tenant costs, and present value.

Compare heat-pump and natural-gas furnace running cost using local utility rates, HSPF2, AFUE, cold-weather COP, equipment cost, and rebates. Find the economic dual-fuel switchover temperature.

Compare extra mortgage principal with taxable high-yield savings and brokerage investing using equal cash flow, mortgage deductions, ordinary-income tax, dividends, fees, and capital gains.

Compare selling a home now with keeping it as a rental using net sale proceeds, rental cash flow, mortgage payoff, appreciation, selling costs, and the opportunity cost of equity.

Compare renovating your current home with selling and moving, including financing, transaction costs, mortgage-rate changes, property value, and monthly cash flow.

Compare selling a house in its current condition with making repairs first using sale-price scenarios, overruns, commissions, carrying time, and net proceeds.

Compare a seller closing-cost credit, home-price reduction, permanent rate buydown, and temporary 2-1 or 3-2-1 buydown using actual lender quotes and your expected ownership timeline.

Compare a current-value PMI cancellation request, principal paydown to 80% of original value, and waiting for scheduled automatic termination.

Compare keeping your mortgage, recasting, refinancing and making a lump-sum principal payment using the same cash and time horizon.

Estimate monthly housing costs (PITI + PMI + HOA + maintenance), visualize debt-to-income ratios, analyze cash flow after tax savings, and calculate cash needed to close.

Calculate how extra payments can accelerate your mortgage payoff. Add multiple one-time and recurring extra principal payments to see payoff date, interest saved, and detailed amortization schedules.

Estimate funds needed at closing from the down payment, lender and third-party charges, points, prepaids, escrow funding, earnest money, and seller or lender credits.