Best Free Real Estate Calculators Online (2025)
Analyze mortgage affordability, rental yields, closing costs, and commercial leases with free real estate calculators for buyers and investors.
Guide Overview
Real estate decisions involve the largest financial commitments most people ever make. Whether you are buying your first home, evaluating a rental property, or negotiating a commercial lease, running the numbers first can save tens of thousands of dollars. These free calculators cover residential and commercial scenarios with no sign-up required.
Focus: home buying, rental property analysis, commercial real estate
How Much House Can You Actually Afford?
Mortgage pre-approval gives you a maximum, but that number often stretches buyers too thin. Our mortgage affordability calculator works from your income, debts, and desired monthly payment to find a comfortable purchase price. It factors in property taxes, homeowners insurance, and PMI if your down payment is below 20 percent. The result is a price range that keeps your housing costs at or below the recommended 28 percent of gross income.
Rental Property Analysis: Yield, Cash Flow, and Cap Rate
A rental property looks different through an investor's lens than a homebuyer's. The rental yield calculator computes gross and net yield based on purchase price, expected rent, and annual operating expenses. It also shows your cash-on-cash return if you finance the purchase. A property with a 10 percent gross yield might only produce a 5 percent net yield after taxes, insurance, maintenance, and vacancy are accounted for. Knowing the net number prevents overpaying for underperforming assets.
Rent vs. Buy: The Decision Framework
The rent-vs.-buy question depends on more variables than most people realize. Beyond comparing monthly rent to a mortgage payment, you need to factor in opportunity cost of the down payment, closing costs, maintenance, property appreciation, tax benefits, and how long you plan to stay. Our calculator models all of these over your expected holding period and shows the total cost of each option. In many high-cost markets, renting and investing the difference comes out ahead for stays under five years.
Closing Costs: The Bill You Did Not Budget For
Closing costs typically run 2 to 5 percent of the purchase price and include lender fees, title insurance, appraisal, attorney fees, and prepaid taxes and insurance. On a $400,000 home, that is $8,000 to $20,000 due at signing. The closing cost calculator estimates each line item so you can budget accurately and negotiate where possible. Some costs like title insurance and lender origination fees have room for shopping and comparison.
Commercial Lease and Office Space Analysis
Commercial leases are structured differently from residential ones, with triple-net (NNN) terms, CAM charges, and escalation clauses that can dramatically affect your total occupancy cost. The commercial lease calculator models your all-in cost per square foot including base rent, property taxes, insurance, and maintenance. The office space cost calculator helps growing companies estimate how much space they need and what it will cost per employee. These tools are essential for comparing spaces and negotiating lease terms confidently.
Tools in This Guide
Use these tools in sequence based on your workflow needs.
Mortgage Affordability Calculator
Find out how much house you can afford based on your income, debts, down payment, and interest rate.
Use tool →Rental Yield Calculator
Calculate gross and net rental yield on investment properties. Factor in expenses, vacancy, and management fees.
Use tool →Rent vs Buy Calculator
Compare the total cost of renting versus buying a home over time. See which option saves you more money.
Use tool →Closing Cost Calculator
Estimate your home closing costs including lender fees, title insurance, escrow, and prepaid items.
Use tool →Commercial Lease Calculator
Estimate occupancy costs for gross, modified gross, and triple-net commercial lease structures.
Use tool →Office Space Cost Calculator
Estimate office occupancy cost per employee based on square footage, lease rate, and operating expenses.
Use tool →Home Office Percentage Calculator
Calculate business-use percentage of your home for reimbursement and tax planning.
Use tool →Lease vs Buy Commercial Space Calculator
Compare long-term total cost of leasing commercial space versus buying property.
Use tool →CAM Charges Estimator
Estimate common area maintenance charges and annual tenant pass-through costs.. Free online, browser-based tool with instant results and no signup.
Use tool →US Property Tax Estimator
Estimate your annual property tax based on home value, state, assessment ratio, and homestead exemption.
Use tool →Frequently Asked Questions
What percentage of income should go to mortgage payments?
What is a good rental yield for investment properties?
How much should I budget for closing costs?
What are CAM charges in a commercial lease?
Is it better to lease or buy commercial property?
Last updated: June 1, 2025