Mortgage Deal Calculator

Stop guessing. Start calculating. Whether you're buying your first home, shopping for an investment property, or analyzing a rental deal, Real Estate Deal Calculator gives you every number you need — instantly. —————————————————————————— MORTGAGE CALCULATOR —————————————————————————— Enter your purchase price, down payment, rate, and loan term. See your complete monthly payment broken down into principal & interest, property tax, insurance, HOA, and PMI (US) or CMHC mortgage insurance (Canada). • Full monthly cost breakdown — no surprises at closing • Down payment as percentage or dollar amount • Property tax and insurance as percentage or fixed amount • PMI with automatic cancellation date estimate (US) • CMHC mortgage insurance tiers (Canada) • Land Transfer Tax by province (Canada) • Mortgage stress test qualification estimate (Canada) • Bi-weekly payment plan — see interest savings over loan life • Extra monthly payments & lump sum modeling • Rate Comparison — view multiple rates side by side • Full amortization schedule — every payment, every year • Export to PDF or CSV for your records —————————————————————————— AFFORDABILITY CALCULATOR —————————————————————————— Know your number before you shop. Enter your monthly housing budget and instantly see your maximum purchase price. Add income and monthly debts to check your debt-to-income ratio (US) or stress test qualification (Canada). —————————————————————————— DEAL ANALYZER — FOR INVESTORS —————————————————————————— Three strategies. One clear verdict. RENTAL PROPERTY Enter purchase price, financing, monthly rent, and operating expenses. Get monthly and annual cash flow, cap rate, cash-on-cash return, break-even occupancy, and maximum allowable offer price. A go/no-go recommendation tells you immediately whether the deal meets your targets. HOUSE FLIP Enter acquisition cost, renovation budget, and after-repair value. See projected profit, return on investment, and holding costs — with a clear verdict on whether the numbers work. BRRRR STRATEGY Model your Buy, Rehab, Rent, Refinance, Repeat deal end to end. See how much capital you recover after refinancing and what your long-term returns look like. All three strategies include sensitivity analysis — stress-test your deal against higher vacancy, rising rates, or lower rent before you commit. —————————————————————————— SAVE & COMPARE PROPERTIES —————————————————————————— Save any calculation as a named property. Compare up to four properties side by side across monthly payment, total interest, cash needed, and closing costs. Stop keeping spreadsheets. —————————————————————————— US & CANADIAN MARKETS —————————————————————————— Switch between US and Canadian market modes at any time. Canadian mode includes CMHC insurance tiers, amortization periods up to 30 years, provincial land transfer tax calculations, and mortgage stress test qualification estimates. —————————————————————————— PREMIUM —————————————————————————— Unlock the full power of the app: • Closing cost itemized breakdown • Extra payment & lump sum modeling • Unlimited saved properties • PDF and CSV export —————————————————————————— Real Estate Deal Calculator is a financial estimation tool. Results are for informational purposes only and do not constitute financial, legal, or mortgage advice. Consult a licensed professional before making any real estate decision.