Mortgage Calculators
25+ free tools to help you at every stage of homeownership — from your first search to investment properties.
First Time Home Buyers
Essential calculators to help you plan, qualify, and buy your first home with confidence.
Mortgage Affordability Calculator
Calculate how much home you can afford based on your income, debts, and down payment.
Down Payment Savings
Plan your savings timeline and see how much you need to put down.
Closing Costs Calculator
Estimate the total cash you'll need at closing beyond your down payment.
Pre-Qualification Calculator
Check your approval odds and estimate your maximum loan amount.
FHA Loan Calculator
Calculate FHA loan payments including upfront and monthly mortgage insurance.
VA Mortgage Calculator
Calculate VA loan payments with zero down payment and no PMI for veterans.
First-Time Buyer Guide
Complete step-by-step guide from saving your first dollar to getting your keys.
Debt Impact Calculator
See exactly how your existing debts affect your home buying power.
Home Owner Calculators
Tools to manage, optimize, and grow your investment as a homeowner.
Refinance Calculator
Determine if refinancing makes financial sense and how much you could save.
Refinance Comparison
Compare multiple refinance scenarios side by side to find the best option.
Early Mortgage Payoff
See how extra payments can save you thousands in interest and years on your loan.
Home Equity Calculator
Track your equity growth and see how much borrowing power you have.
HELOC Calculator
Calculate your home equity line of credit amount and monthly payments.
Property Tax Calculator
Estimate annual property taxes based on location and home value.
Home Maintenance Calculator
Budget for annual repairs, upkeep, and unexpected maintenance costs.
Amortization Schedule
See how each monthly payment splits between principal and interest over time.
Utility Cost Estimator
Estimate monthly utility expenses based on your home size and location.
Future Home Buyers
Deciding whether to rent or buy? These tools help you compare and plan your transition to homeownership.
Property Investment
Analyze potential investments, estimate returns, and make data-driven property decisions.
Frequently Asked Questions
Yes, all RealCostIQ calculators are 100% free with no sign-up required. We believe everyone deserves access to financial planning tools.
Our calculators use industry-standard formulas and current default rates. Results are estimates meant for planning purposes. For exact figures, consult with a mortgage professional or financial advisor.
If you're a first-time buyer, start with the Mortgage Affordability Calculator to understand your budget. If you already own a home, the Refinance Calculator or Home Equity Calculator are great starting points. Use the search bar on our homepage to find the right tool quickly.
No. All calculations happen in your browser. We don't collect, save, or share any of the financial information you enter into our calculators.