Free online real estate calculators for personal finance.
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You can stop searching, because almost all free online real estate calculators are below

All of our free financial calculators, are on the Time Value of Money Tools demo, except for these, which are here:

The world's most functional free online retirement calculator (a scaled-down version of the RP Retirement Planner)

The bond calculator's demo has the most functional free bond yield to maturity calculator ever to be on the web

We also think our free personal budget software is the best the web has ever seen for free downloading too

We listed almost every free online real estate calculator on the web.

There are hundreds of websites with free online financial calculators, but the vast majority just "rent" usage of them from the vendors below. Paying them rent allows webmasters to put the financial calculators on their site in a manner that makes it look like their site built them (when they really just go to a site like Dinkytown to calculate and display the results). So most financial calculators are the same. For example, FinanceCalc.com just VisualCalc.com's financial spreadsheets and MoneyToys uses Wheatworks.

Please keep in mind that Tools for Money didn't make the ones listed below, they're just links to other free online financial calculator websites.

Most calculate the numbers as advertised, but there are so few input fields, that you can't account for most of the details that will dramatically alter Real World results.

Time Value of Money and Financial Calculator Terminology

TVM = Time value of money - the basic concepts of what these financial calculators are all about.  PV = Present Value (beginning investment values, or how much something is worth today).  PMT = Payments (constant contributions or withdrawals each compounding period, usually added to or subtracted from the scenario monthly).  I = Compound interest rate (interest rate or growth rate that is applied at each N compounding period).  N = Number of compounding periods (how many times the calculations are done that compound money at the given interest rate, usually in months or years. E.g., If you have $100 and you compound, or add, 10% annual interest, and then you'd have $110 as a future value over this one compounding period. If N=2, then it would compound twice, and your ending value would be $121, which is $110 plus 10%).  FV = Future value (usually the result, or the amount of money accumulated over N compounding periods).  P = Principal, or how much money is being lent or borrowed.  ARM = Adjustable Rate Mortgage.  APR = Annual Percentage Rate. 

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Functions

Tools For Money CalculatorWeb.com Dinkytown.net

Have to have Sun Java / ActiveX running

Financial Calculators.com

Same as FinCalc.com

Won't work unless you accept their cookies, have your Java turned on, and pop-up blocker turned off. It also won't work the first time because it needs to put a cookie on your computer. So click on another calculator after the first attempt fails, then they should all work.

Bloomberg.com Interest.com

Same as Calculators.interest

Moneytoys.com

Same as Wheatworks

VisualCalc.com

Same as FinanceCalc

All go to a main menu where you have to choose the calculator you want again

Real Estate Rate of Return (and equity)

Yes, the most comprehensive ever made, but not free.

Input several parameters of rental properties and it calculates how a rental property is doing. No Input several parameters of rental properties and it calculates how a rental property is doing. No No Home sale net gain calculator: Input home-owning and sale expenses and calculate net gain or loss.

Discounted cash flow calculator. Our Fee Net Present Value Calculator does more.

Several inputs and sliders calculate home equity, percent of equity to borrow, lines of credit, etc. (Click on "Home equity calculator")
Generic Mortgage Loan, and Equity Line of Credit Calculators Some for free No Calculates your payment or loan amount for different payment frequencies. Our Free Loan Amortization Calculators do this.

Calculate an amortization schedule for your current mortgage. Our Free Loan Amortization Calculators do this.

Calculate an amortization schedule for your current mortgage (a couple more inputs than the one above). Our Free Loan Amortization Calculators do this.

Amortization chart for calculating mortgage payoffs.

Equity line of credit payments: Compound interest calculator: Input PV, I, and calculate an amortization schedule.

Home-based equity line of credit calculator. Input home value, mortgage, and loan to value ration, and see how much you can borrow.

Home based equity line of credit payoff calculator. Input debt, PMT, rate, fees and calculator how long it will take to pay off.

Investment Property Calculator

Repossession of Real Property

Like Kind Exchange

REIT Tax-Equivalent Distribution

Home Equity Debt Consolidation

Home Down Payment Savings Calculator

Balloon Mortgages

Blended Rate Mortgage Calculator

FHA Mortgage Loan Calculator

Calculate an amortization schedule for a mortgage including PITI. Mortgage loan calculator Compare mortgage parameters from 30 year vs. 15 year loans. Our Free Loan Amortizer #10 does this.

Calculates loan payment or loan amount, and then an amortization schedule, based on simple input. Several of our Free Loan Calculators do this.

Calculate Equity Line of Credit based on appraisal value, debt, and loan to value ratio.

Loan calculator: Input PV, I, Points, N, and it calculates PMT, total interest paid, cost of points, and total amount paid. Our Free Loan Amortization Calculators do this.

 Compare four mortgage loan scenarios on one matrix.

 Loan spread calculator: Choose which series of loan data will be highlighted in a matrix of load spread data.

Calculate detailed closing costs.

No
Adjustable Rate Mortgage Calculator (ARMs vs. fixed vs. other non-traditional mortgages) No No Adjustable rate mortgage calculator: Input loan amount (PV), term (N), beginning interest rate, time between adjustments, interest rate cap, and it shows amortization schedules.

Calculate an amortization schedule for assuming two mortgages on the same property.

Calculate amortization schedules comparing fixed rate mortgage vs. ARM based on LIBOR rates.

Calculate an amortization schedule for an interest-only mortgage.

Compare fixed rate mortgage to Fully Amortizing ARM and Interest Only ARM.

Compare a fixed rate mortgage to an interest-only mortgage.

Calculate an interest only ARM.

See if consolidating debt into a mortgage is right for you.

Calculate the minimum payment on an Option ARM mortgage.

Adjustable rate mortgage calculator: Input loan amount (PV), term (N), beginning interest rate, time between adjustments, interest rate cap, and it shows amortization schedules.

Compare fixed mortgages vs. ARMs: Input fixed vs. variable parameters, assumed interest rate changes, and it compares.

Compares long-term effects of a "No-cost" (higher rate instead of closing costs) mortgage vs. traditional loans.

Compare an interest-only versus traditional mortgage

No Calculate mortgage parameters for an interest only loan that only lasts so long, then converts to a normal loan.

Calculate an amortization schedule for an interest only mortgage.

Calculate mortgage parameters for an interest only loan, vs. fixed-rate vs. variable rate loans.

Adjustable rate mortgage calculator

Fixed rate mortgage vs. interest only mortgage

No Several sliders calculate fixed- vs. adjustable-rate mortgages (Click on "Fixed vs. adjustable calculator")
APR Calculators No No Calculate the APR of an adjustable rate mortgage: Input Loan amount, Years, beginning rate, current index, margin, adjustments, closing costs and points, and it shows an amortization schedule.

Detailed amortization schedule that calculates mortgage APR. Our Free Interest Calculators do this.

Adjustable Rate Mortgage Calculator

APR Calculator for Adjustable Rate Mortgages

No No  APR calculator: Input Loan type and amount, rate, it shows an amortization schedule considering interest rate adjustments and interest rate caps.

APR calculator that considers points and other costs. Our Free Loan Amortizer #4 does all of this, and more.

 APR calculator: Input mortgage loan data with breakdown of all items in closing costs, and it calculates PMT, APR, and total closing costs. No
Bi-weekly Payments for an Existing Mortgage (alternative payment frequencies and/or durations) Some for free. Loan accelerated payoff calculator. Input additional payments and see debt shrink. Our Free Loan Calculators will do this. Calculates interest savings of using an accelerated bi-weekly mortgage payment schedule (more input fields than the others).

Calculates savings by using an accelerated bi-weekly mortgage payment

Mortgage comparison: 15 year vs. 30 year calculator. Our Free Loan Calculator #1 does this and more.

Loan accelerated payoff calculator. More input fields than others. Our Free Loan Calculator #1 does this and more.

Bi-weekly Payment Calculator

Bi-weekly Payments for an Existing Mortgage

Simple bi-weekly mortgage calculator to see how much sooner it will be paid. Our Free Loan Calculator #1 does this and more.

Mortgage comparison: 30 year vs. lower term calculator. Our Free Loan Calculator #1 does this and more.

Loan accelerated payoff calculator. Our Free Loan Calculator #1 does this and more.

Similar to the accelerated debt payoff calculator above. Our Free Loan Calculator #1 does this and more.

No  No No Sliders calculates the bi-weekly payment and total interest paid (Click on "Bi-weekly mortgage calculator")
Maximum Mortgage and Mortgage Qualifier No Calculate the most mortgage you can assume given: Income and other loans. The most detailed calculator for finding the most mortgage you can assume given: Income and other loans.

Calculate the most mortgage you can assume given: Income and other loans.

Calculate the income is required to qualify for a mortgage.

Calculate the most mortgage you can assume given: Income and other loans. More inputs than the others. No  Calculate the most mortgage you can assume given: Income and other loans.

Similar calculator to the one above.

Mortgage Qualification Calculator

3 sliders and a few inputs calculate how much mortgage one can assume (Click on "Affordability calculator")
Mortgage Points Calculator (down payments vs. points vs. lower rates) No No Pay mortgage points vs. increased payments calculator. Pay mortgage points vs. increased payments calculator.

How do closing costs impact the interest rate?

No Pay mortgage points vs. increased payments calculator. No Sliders compare loans and calculate savings between paying higher points for lower interest and vice versa (Click on "Pay more points calculator")

Several sliders show different in loan terms based on changing down payments (Click on "Pay more down calculator")

Mortgage Tax Savings Calculator No No Calculate tax savings of deducting mortgage and other real estate costs. Calculate tax savings of deducting mortgage and other real estate costs. No 

Loan & line payment

No No
Mortgage Refinance Calculators No No Calculate how long it will take to breakeven on a mortgage refinance.

How much interest can you save if you refinance your mortgage calculator.

Calculate refinancing savings, compare refinancing vs. not. N How much interest can you save if you refinance your mortgage calculator.

Calculate refinancing savings, compare refinancing vs. not.

Calculate refinancing savings, compare refinancing vs. not.

Click on "Refinance Calculator"

Different sites with Mortgage Calculators Mortgage Calc Mortgage Calcs            
Reverse Mortgage No No

Reverse Mortgage Calculator

No No  No No No
Rent vs. Buy Calculator Yes, the most functional free one ever created. Simplistic real estate rent vs. buy calculator.  Our Free Rent vs. Buy Home sheet has much more functionality. Semi-detailed rent vs. buy home calculator.  Our Free Rent vs. Buy Home sheet has much more functionality. Detailed buy home vs. rent calculator.  Our Free Rent vs. Buy Home sheet has much more functionality. No Buy home vs. rent calculator. Our Free Rent vs. Buy Home sheet has much more functionality. Semi-detailed rent vs. buy home calculator. Our Free Rent vs. Buy Home sheet has much more functionality. Click on "Rent or Buy Calculator" Our Free Rent vs. Buy Home sheet has much more functionality.

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