Home Buying and Investment Calculators
Use these no-cost calculators to plan a purchase, mortgage, sale, investment or ownership costs for homes in Miami and the rest of South Florida.
Mortgage CalculatorEstimates what your monthly loan payment will be
Affordability CalculatorFinds the highest home price you can afford
Rent vs BuyWeighs renting costs against buying costs
Cash-on-Cash Return Calculator for RentalsCompare rental cash from the first 12 months with the cash you invest upfront, before income tax.
Price per Square Foot Calculator (sq ft and m²)This price per square foot calculator turns price and area into USD per sq ft or m², with cents kept, the unit spelled out and sub-cent rates flagged.
Rent or Sell? Rental Break-Even CalculatorCompare rental cash and a hypothetical sale with your initial cash, including acquisition costs.
Cap Rate Calculator: NOI and Property ValueCap rate calculator: rent, losses you set, other income and operating expenses become NOI and a capitalization rate for the price or value; no loan approval.
Rental Deal Analyzer: Cash Flow, Returns and ExitMeasure the nominal, pre-tax cash flow of a rental against your cash in, with an assumed sale, the costs you enter and loan terms that stay fixed.
Closing CostsEstimate your closing costs
Down Payment Calculator and Savings PlannerPlan an exact cash target and whole-month savings timeline without treating it as purchase approval.
Home Sale FundsEstimate sale-budget funds or closing cash from entered charges and payoff.
Florida Seller Closing Cost Calculator: Net at SaleEstimate your Florida seller closing costs from your negotiated commission, deed-tax category and verified quotes for title, association and services.
Refinance CalculatorShows how a new rate would change your monthly payment
Cash-Out RefinanceEstimates how much cash your home equity could release
Refinance Cash-Cost RecoveryShows when a lower P&I payment earns back the refinancing costs you paid in cash
HELOC Calculator: Credit Line and Monthly PaymentThis HELOC calculator sizes your borrowing room from your lender's CLTV and secured debt, then estimates payments on your requested draw at a fixed rate.
Mortgage Amortization Calculator with Extra PaymentsSee the annual schedule and compare monthly extra principal under a stated payment convention.
How to Get Rid of PMI: Removal Date CalculatorEstimate PMI's original-value cutoffs, modeled coverage left and conditional savings from your loan's initial fixed-rate amortization schedule.
Florida Property Tax Calculator with Homestead ExemptionEstimate Florida ad valorem tax after you buy: education rates apart, your homestead and approved portability applied, quoted assessments optional.
Condo Cost Calculator: HOA Fees and AssessmentsAdd your condo's regular quoted HOA dues to your unit's unpaid assessment and see next-12 cash kept apart from the starting run rate.
Florida Home InsuranceShows how flood coverage, the hurricane deductible and the premium fit together for a home in Florida
FIRPTA WithholdingWithholding from a foreign seller at closing, by price and use
Preconstruction DepositsLays out the deposit schedule and how much cash each milestone calls for
Relocation Cost Calculator: Moving to FloridaCompare documented income taxes, recurring budget changes and a one-time move cost.
DSCR Loan Calculator: Debt Service Coverage RatioCheck whether a rental's income covers its loan payment, by operating income or by lender-accepted rent, against the target you choose.
Airbnb Income Calculator for Short-Term RentalsBudget nightly income, host-added guest fees and annual costs, with an optional long-term rental comparison on the same basis.
Like-Kind 1031 Exchange Calculator for Deferred GainRecognized and deferred gain from your confirmed exchange assumptions
House Flipping Calculator: Profit and Cash ReturnModel a resale project in this house flipping calculator: you enter acquisition costs, carrying costs count, and the only financing is a purchase loan.
BRRRR Calculator: Cash Left In After the RefinanceA BRRRR calculator that separates gross loan coverage, recovery of your own cash, refinancing costs and monthly cash flow after refinancing.
Adjustable-Rate Mortgage Calculator: ARM vs FixedCompare intro payments and a full-loan cap-stress path using the reset frequency in your note.
2-1 BuydownShows how a temporary rate buydown lowers early payments and whether its cost beats a straight price cut
Debt-to-IncomeWorks out your housing and total DTI ratios the way a lender would
Max Loan AmountShows the biggest conventional, FHA or VA loan that fits your budget or income
Mortgage Points Calculator: Is Buying Points Worth It?Compare a supplied points quote with the same loan without points, over your chosen period and the full loan term.
Compare Mortgage Offers: Fixed-Rate Loan CalculatorCompare payments, upfront cash fees and quoted mortgage insurance over each loan's full term.
Capital Gains Tax on a Home Sale: Exclusion CalculatorEstimate your home-sale gain from full adjusted basis, with a Section 121 cap settled elsewhere; the taxable gain shown isn't the tax due.
Florida Documentary Stamp Tax CalculatorEstimate Florida documentary stamp and intangible taxes on a purchase from the full deed price, new loan and collateral value, plus who usually pays.
Bridge Loan Calculator: Funding Gap and Interest CostFind out how bridge financing works if it stacks on your current debt or clears it in full, and if you pay the fee yourself or the lender withholds it.
What Is a CDD Fee? CDD Calculator for Florida HomesFind the monthly cost of a yearly CDD fee and weigh it against housing bills you know, with no overlap; nothing is certified for a parcel or loan.