Mortgages, ROI, depreciation, inspections — make smart property decisions
Whether you are buying your first home, managing rental properties, or renting an apartment, real estate decisions involve complex financial calculations. This toolkit brings together mortgage calculators, rental ROI tools, property depreciation trackers, landlord ledgers, inspection reports, and moving cost estimators — all free and private.
Check rental affordability and calculate mortgage payments.
Find out how much rent you can comfortably afford
Monthly payment, amortization schedule, PMI — 30-year detailed breakdown
How much equity do you have? Calculate your HELOC borrowing power
Estimate rental ROI and track property depreciation.
Is this rental property worth buying? Cap rate, cash flow, and ROI
Calculate your annual property depreciation deduction — IRS method
Track rent, expenses, and cash flow for your rental properties. Smarter than a spreadsheet, simpler than enterprise software. 100% local, no signup.
Budget home improvements and inspect properties.
Flooring, paint, tile, wallpaper — calculate material quantities and costs with waste factor
Walk through the property, check each area, take photos — generate a professional inspection report PDF. Move-in, move-out, routine.
Estimate moving costs for your relocation.
Rental ROI depends on more than just rent minus mortgage. You need to account for property taxes, insurance, maintenance (1% of property value per year), vacancy rate (5-8%), property management fees, and depreciation. Our Rental ROI Calculator factors in all of these to show your true cash-on-cash return and cap rate.
A common rule is the 28/36 rule: your mortgage payment should not exceed 28% of gross monthly income, and total debt payments should not exceed 36%. Use our Mortgage Calculator to see exact payments for different loan amounts, rates, and terms.
Rental ROI (Return on Investment) measures your annual profit from a rental property as a percentage of your invested capital. Cash-on-cash return focuses on actual cash invested, while cap rate measures the property's unlevered return. Our calculator computes both.
Why did the cow cross the road?
No signups, no data sold. The core of every tool is free forever — the optional Pro plan adds batch processing, unlimited downloads, white-label exports and an ad-free experience.
☕Support me on Ko-fi— keep tools free100% of proceeds go towards hosting & building more free tools.