House Economics
Mortgage and real estate tools that go past the monthly payment.
Calculators and plain-English guides for borrowers, owners, sellers, and investors, organized by where you are in the process. Inputs persist across tools so you don’t re-enter the same numbers.
Where are you?
Pick the stage you’re in.
Exploring
Before you start touring homes
Shopping
Picking the right loan and property
Closing
Getting to the keys
Owning
After you have the keys
Refinancing
Re-pricing your existing loan
Selling
Cashing out of your home
Investing
Real estate as an investment
Tax
Deductions, credits, and ways to defer tax
Life events
Big changes that affect your mortgage
Most-used tools
Start here if you don’t know where to start.
Mortgage Calculator
Monthly payment with PITI, PMI, ARM, extra payments.
Affordability
How much house can you afford at your DTI?
Refinance Breakeven
Break-even, NPV, after-tax savings.
Rent vs Buy
With appreciation, opportunity cost, taxes, and selling costs.
Capital Gains on Home Sale
Models Section 121, depreciation recapture, and NIIT.
Cost Basis Tracker
Log capital improvements now. At sale, they can be worth tens of thousands.
Looking for something specific?
Press / anywhere on the site to search across all tools and guides.