United States
Home sale and mortgage calculators
Every cost itemized, every assumption on the page, and the arithmetic published so you can check it. Free, no signup, and nothing you type leaves your device.
Selling a home
What a sale costs between the contract and the wire, and what is left once the loan is cleared.
Financing
What your mortgage is doing, and what changes when you put money against it.
- Buyer Cash to CloseWhat you actually wire on closing day, and how much of it is not a cost.Down paymentPrepaidsSeller credits
- Extra Mortgage PaymentsWhat paying more each month does to your payoff date — and what waiting a year costs.Extra principalPayoff dateTotal interest
- Mortgage RecastWhat a lump sum does to your monthly payment — and what it costs you.Lump sumMonthly paymentInterest cost
Taxes
What the sale means for your return, as distinct from what it means for your bank balance.
Why these are different
Every cost on the page, and the math behind it
Most calculators hand you a headline figure and quietly skip the lines that actually move it — transfer taxes, prorated tax, concessions, the gap between a loan balance and a real payoff quote, the difference between a cost and your own money collected early. Ours itemize every one, so the number on screen is a number you can plan around rather than a number you have to trust.
The arithmetic behind each one is published in full at how we calculate, including where each estimate stops being reliable. If a term here is unfamiliar, or is one of the pairs people reliably confuse, the glossary defines it against the thing it gets mistaken for.
The limits
What these will not do
They will not tell you what tax you owe. The capital gains calculator computes a taxable gain and stops there, because what is owed on it depends on your bracket, your state and the rest of your return.
They will not assert a rate we cannot source. There is no 50-state table behind any of this — figures that vary by state or county are editable inputs with national-ballpark defaults, labelled as such, because a table nobody keeps current is wrong silently.
And they will not ask you for anything. No account, no email, no saved data. Every calculation runs in your browser, which is why we can promise that what you type stays on your device.