Homebuying tools
Know your numbers before you shop
Free calculators for every money question on the way to your next home, from rent-or-buy to the check you write at closing.
Free to use
No account required
Your numbers
Adjust every input
No credit pull
Estimates only
A calculator for every step
Start wherever you are. Each one works on its own.
- Step 1 · Decide
Rent vs. Buy Calculator
Is it smarter to rent or buy right now?
Compare the long-term cost of renting with buying, side by side.
- Net cost of each
- Upfront costs
- Cost breakdown
- Step 2 · Budget
Home Affordability Calculator
How much house can you afford?
Find a price range that fits your income, debts and savings.
- Target price range
- Monthly payment
- Cash at closing
- Step 3 · Plan
Mortgage Calculator
What will your monthly payment be?
See how price, rate, term and loan type shape your payment.
- Payment breakdown
- Amortization
- Compare scenarios
- Step 4 · Close
Closing Costs Calculator
What will you pay upfront?
Know the fees due at closing so nothing catches you off guard.
- Lender fees
- Third-party fees
- Prepaids & escrows
More ways to plan
Home values and plain-English guides to go with your numbers.
Put your numbers to work
Save your budget to a free Homefello profile and see homes that fit it.