Real estate finance calculator

Use the finance keypad

Enter 300000, then tap Loan Amt. Enter 6, then tap Int %. Enter 30, then tap Term. Tap Pmt with no new entry to solve the monthly payment. Entering a number first stores it in that field; tapping Loan Amt, Int %, Term or Pmt without a new entry solves for that value.

Qual 1 and Qual 2 use the editable ratio examples. Amort and ARM run their current scenarios. More opens APR, Bi-Wk, Rent/Buy, Future $, memory and recall keys. Open Inputs & loan settings to adjust assumptions and use Calculate & save to history. AC clears the entry; Reset restores inputs. History keeps up to 50 completed calculations on this device.

The key layout is inspired by the Qualifier Plus IIIx 3415. See the manufacturer’s introduction. This independent tool uses the assumptions explained below and does not reproduce every device keystroke.

Real estate calculations in one place

Choose a task to see its inputs. Solve for a loan payment, principal, interest rate or term; estimate a buyer’s housing budget; calculate a remaining balloon balance; or compare monthly and biweekly payments.

Plan for property costs and changing payments

Buyer qualifying includes principal, interest, property tax and homeowners insurance, plus entered mortgage insurance and HOA dues. Selecting a U.S. state supplies editable property assumptions and a dated typical home-value reference. Qualifying ratios are planning examples and do not establish loan eligibility.

ARM mode projects resets from your assumptions. APR mode estimates the borrowing rate after entered upfront finance charges. Other modes compare rent with buying, project appreciation, combine an interest-only first loan with a second loan, and count calendar days for planning a closing.

Each mode explains its assumptions below the result. For FHA, VA, USDA and conventional product-specific estimates, use our mortgage calculator. Compare up to four scenarios and export outlined reports in Excel, Word, PDF or JPG.