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Home & Property

Work out what a home really costs — payment, affordability and whether to rent or buy.

Mortgage Calculator

Enter a home price, down payment and rate to see your full monthly payment — principal, interest, property tax and insurance — plus how much interest you'll pay over the life of the loan.

Most used

Home Affordability Calculator

Tell us what you can comfortably spend on housing each month and we'll work backwards to the home price that fits — after property tax and insurance.

Rent vs. Buy Calculator

Buying isn't always cheaper than renting — it depends on how long you stay. This compares the full net cost of each over your time horizon and finds the break-even year.

Refinance Calculator

Compare your current mortgage to a new rate. We'll show the monthly saving, lifetime interest saved, and how long it takes to recoup the closing costs.

Mortgage Payoff Calculator

A little extra each month goes straight to principal. See how much sooner you'd be mortgage-free and how much interest you'd save.

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Debt & Loans Saving & Investing Retirement Income & Everyday
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Home & Property
  • Mortgage
  • Affordability
  • Rent vs Buy
  • Refinance
  • Extra payments
Saving & Investing
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Income & Everyday
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  • Tip & split
Debt & Loans
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Retirement
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  • Coast FIRE
  • Barista FIRE

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PlainSums' calculators are for general education and planning only. They produce estimates based on the figures you enter and do not account for every fee, tax or change in rate. They are not financial advice — for decisions about your money, speak to a qualified, regulated professional.

© 2026 PlainSums. For education and planning only — not financial advice.