Skip to content
Keystone

Real estate math, done right.

Free calculators for US home buyers, investors, and agents, with no sign-up. Every answer in plain words, every formula shown, every number worked out in your browser.

Run a BRRRR dealSee all nine calculators

A sample deal: a $140,000 house, $35,000 of rehab, refinanced at 75% of a $240,000 appraisal at 6.875%.

It cash-flows $180 a month and leaves $9,600 of your money in it.

All-in cost
$185,100
Capital recovered
95%
Mortgage, P&I
$1,182/mo
Equity at refinance
$60,000
Change any number and watch the sentence rewrite itself

Nine calculators, one question each

Each tool answers a single question in a sentence, then shows the figures, charts, and formulas behind it. The numbers on the right are what each one prints for its sample scenario.

For home buyers

For investors

Every figure shows its working

Each headline number carries a note mark. Follow it and you land on the formula, worked with your own numbers, the way US lenders and the IRS count them.

Cash left in the deal N2

$9,600

95% of your capital comes back at refinance

N2Refinance and cash left in deal

Cash left = All-in − (Loan − Refi closing costs)

= 185,100 − (180,000 − 4,500) = 9,600

The same engine prints the sample above, the worked example in each guide, and every number you see in the tool.

Every calculator, in every state

Each state edition starts from that state's typical home price, rent, property tax, and insurance, with notes on local rules. Pick a state, then a plan number, or see every state ranked.