Real Estate Calculators for South Florida Buyers, Sellers and Investors
Before you sign, run the numbers: home buying calculators for Miami and South Florida, plus tools to finance, sell, invest and own, all at no cost.
Mortgage CalculatorEstimate your monthly mortgage payment
Affordability CalculatorFind the highest home price your budget can reach
Rent vs BuyRenting cost against buying cost, side by side
Rental Cash-on-Cash Return CalculatorWeighs the rent cash you collect in the first 12 months against the money you put in at the start, before any income tax.
Price per Area CalculatorEnter a property's price and its area in square feet or square meters to get its price per square foot or per square meter in U.S. dollars, down to the cent. The unit is always shown, and a result smaller than one cent still appears instead of being rounded away.
Rental Investment Break-Even with SaleAdd up rental cash and the cash from a hypothetical sale, then see how the total stacks up against the cash you started with, acquisition costs included.
Annual NOI & Cap Rate CalculatorFeed rent, losses, extra income and costs into this cap rate calculator to get NOI and cap rate for a price or value you choose; it's no loan approval.
Rental Deal Cash-Flow and Exit AnalysisModel a rental's nominal pre-tax cash flow, the return on the cash you've invested, and a hypothetical sale, with each cost listed and financing assumptions kept fixed.
Closing CostsEstimate your closing costs
Down Payment Savings PlannerWorks out the exact cash you need and how many full months of saving it will take. Reaching that number doesn't mean you're approved to buy.
Home Sale FundsEstimate sale-budget funds or closing cash from entered charges and payoff.
Florida Seller Closing Cost EstimateFlorida seller closing cost calculator: estimate your side of a sale from your commission, deed-tax class and real title, association and service quotes.
Refinance CalculatorType in a new rate and watch the monthly payment move
Cash-Out RefinanceEstimates how much of your equity you could take out as cash
Refinance Cash-Cost RecoveryShows the month a lower P&I payment pays back refinance costs you covered in cash
HELOC Capacity and Payment ScenarioThis HELOC calculator turns your lender's CLTV and secured debt into a room-to-borrow estimate, then models payments on your draw at one fixed rate.
Mortgage Payoff & Amortization ForecastLays out the schedule year by year and lets you test extra principal each month, under the payment convention you set.
PMI Scheduled Removal EstimateSee estimated original-value cutoffs, remaining PMI coverage and conditional premium savings, built from your loan's original fixed-rate schedule.
Florida Post-Purchase Property Tax EstimateOnce the deed is yours, gauge its Florida ad valorem tax, education levy apart, with declared homestead, approved portability and optional quoted extras.
Condo Association Fees and Assessment BudgetThis condo cost calculator models a quoted routine HOA charge plus a unit's unpaid assessment, and keeps next-12 cash apart from the first run rate.
Florida Home InsurancePremium, coverage, hurricane deductible and flood insurance for a Florida home
FIRPTA WithholdingHow much is withheld from a foreign seller at closing, based on price and use
Preconstruction DepositsLays out your deposit schedule and the cash due at each milestone
Florida Relocation Budget CalculatorPuts the income taxes you can document, your ongoing budget changes and the one-time cost of moving side by side.
DSCR Coverage Calculator: Choose the DefinitionTests whether a rental earns enough to cover its loan payment, using operating income or rent a lender accepts, measured against a target you pick.
Short-Term Rental Operating Cash CalculatorEstimate nightly income, host-added guest fees, and yearly costs; you can also compare a long-term rental on the same terms.
1031 Exchange Gain EstimatorOnce your exchange assumptions are confirmed, the gain splits into a recognized part and a deferred part.
Fix & Flip: Project Profit and Cash ReturnHouse flipping calculator: acquisition costs entered by you, carrying costs counted, purchase loan as the only financing.
BRRRR: Refinance Cash and Rental Cash FlowLoan coverage is not cash payback: this BRRRR calculator keeps them, refinance costs and monthly flow apart.
ARM vs Fixed: Capped Payment StressCompare the intro-period payments with a stress test that pushes the rate on the full loan balance up to its caps, resetting as often as your note specifies.
2-1 BuydownA temporary rate buydown has a price. This sets it against a plain price cut
Debt-to-IncomeFront-end and back-end DTI, figured the same way a lender figures them.
Max Loan AmountSee how big a conventional, FHA or VA loan your income or budget can carry.
Mortgage Points Cash Savings CalculatorTest a points quote you received against the same loan with no points, both over the period you pick and over the whole term.
Fixed-Rate Loan Cost ComparisonCompare loans over each one's full term, counting the payments, the mortgage insurance you were quoted and the fees paid in cash upfront.
Home Sale Gain and Exclusion CalculatorYour taxable gain is not your tax bill: this ledger starts from full adjusted basis and uses a Section 121 cap you confirm first, never one it picks.
Florida Deed, Mortgage and Intangible Tax EstimateBuying in Florida: type the whole deed amount, the loan and the collateral value to see your estimated taxes and the usual closing-cost split.
Bridge Loan: Funding and Interest-Only CostsSee how a bridge loan works when it stacks on top of old debt or pays it off, and when the fee is paid in cash or held back.
CDD Assessment & Housing Budget CalculatorYearly CDD in, a monthly budget equivalent out, set beside the housing costs you know. Nothing is counted twice; no parcel or loan is certified.