Real Estate Calculators
Free tools for buying, financing, selling, investing, and owning real estate in Miami and South Florida.
Mortgage CalculatorEstimate your monthly mortgage payment
Affordability CalculatorFind out how much home you can afford
Rent vs BuyCompare the costs of renting versus buying
Rental Cash-on-Cash Return CalculatorCompare rental cash from the first 12 months with the cash you invest upfront, before income tax.
Price per Area CalculatorCalculate USD price per square foot or square meter from supplied price and area. Preserve cents, explicit units and truthful positive-subcent display.
Rental Investment Break-Even with SaleCompare rental cash and a hypothetical sale with your initial cash, including acquisition costs.
Annual NOI & Cap Rate CalculatorReconcile annual rent, explicit losses, other receipts and operating costs. Calculate NOI and cap rate on supplied price/value, not loan approval.
Rental Deal Cash-Flow and Exit AnalysisModel nominal pretax rent cash flow, deployed-cash returns and a hypothetical exit using explicit costs and fixed financing assumptions.
Closing CostsEstimate your closing costs
Down Payment Savings PlannerPlan an exact cash target and whole-month savings timeline without treating it as purchase approval.
Home Sale FundsEstimate sale-budget funds or closing cash from entered charges and payoff.
Florida Seller Closing Cost EstimateEstimate seller-paid Florida closing charges using a negotiated commission, deed-tax class and confirmed title, association and service quotes.
Refinance CalculatorSee what a new rate does to your monthly payment
Cash-Out RefinanceEstimate how much cash you can pull from your equity
Refinance Cash-Cost RecoverySee when lower P&I payments recover cash-paid refinance costs
HELOC Capacity and Payment ScenarioEstimate capacity from an entered lender CLTV and secured amount, then model payments on the requested draw at a constant rate.
Mortgage Payoff & Amortization ForecastSee the annual schedule and compare monthly extra principal under a stated payment convention.
PMI Scheduled Removal EstimateEstimate original-value thresholds, remaining modeled coverage and conditional premium savings from your original fixed-rate loan schedule.
Florida Post-Purchase Property Tax EstimateEstimate Florida post-purchase ad valorem tax with separate school-tax rates, declared homestead, approved portability and optional quoted assessments.
Condo Association Fees and Assessment BudgetBudget quoted regular HOA dues and your unit's remaining assessment, separating next-12 cash from an initial run rate.
Florida Home InsurancePremium, coverage, hurricane deductible and flood for a Florida home
FIRPTA WithholdingForeign seller withholding at closing, by price and use
Preconstruction DepositsMap your deposit schedule and cash needed by milestone
Florida Relocation Budget CalculatorCompare documented income taxes, recurring budget changes and a one-time move cost.
DSCR Coverage Calculator: Choose the DefinitionCompare operating income with loan payments, or accepted rent with the full housing payment, at your selected target.
Short-Term Rental Operating Cash CalculatorBudget nightly income, host-added guest fees and annual costs, with an optional long-term rental comparison on the same basis.
1031 Exchange Gain EstimatorRecognized and deferred gain from your confirmed exchange assumptions
Fix & Flip: Project Profit and Cash ReturnModel a resale project with explicit acquisition costs, carrying costs and purchase-only financing.
BRRRR: Refinance Cash and Rental Cash FlowSeparate gross loan coverage from own-cash recovery, refinance costs and post-refinance cash flow.
ARM vs Fixed: Capped Payment StressCompare intro payments and a full-loan cap-stress path using the reset frequency in your note.
2-1 BuydownTemporary rate buydowns and what they cost vs a price cut
Debt-to-IncomeYour front-end and back-end DTI the way lenders compute it
Max Loan AmountThe largest conventional, FHA or VA loan your budget or income supports
Mortgage Points Cash Savings CalculatorCompare a supplied points quote with the same loan without points, over your chosen period and the full loan term.
Fixed-Rate Loan Cost ComparisonCompare payments, upfront cash fees and quoted mortgage insurance over each loan's full term.
Home Sale Gain and Exclusion CalculatorEstimate home-sale gain from complete adjusted basis and externally confirmed Section 121 limits. Taxable gain is not the tax bill.
Florida Deed, Mortgage and Intangible Tax EstimateEstimate Florida purchase taxes using full deed consideration, the new loan and Florida collateral value, with a typical closing-cost allocation.
Bridge Loan: Funding and Interest-Only CostsCompare additional debt or full payoff replacement, with the origination fee paid separately or withheld.
CDD Assessment & Housing Budget CalculatorTurn a supplied annual CDD assessment into a monthly budget equivalent. Compare known housing costs without double counting; no parcel or loan certification.