Incolator/Home & property

Home & property

13 calculators

Buildings are the most emotional line on any balance sheet. The desk holds them to the same arithmetic as everything else: rent against buy, cash against mortgage, carry against nights used.

Second Home Carrying CostAdd financing, taxes, upkeep, travel, and resale value to find the real cost per night of a second home. 2 min Cash or Mortgage at Your BracketCompare paying cash with borrowing and investing the difference across rates, taxes, and your time horizon. 2 min Rent or BuySimulate renting and buying month by month, including equity, rent increases, maintenance, and invested savings. 3 min Home Affordability, StatedWork backward from income, debts, rates, taxes, insurance, and upkeep to an estimated purchase price. 2 min Mortgage OverpaymentSee how extra principal payments change the mortgage term, interest bill, and lender allowance. 1 min Divorce House BuyoutModel a home-equity split, cash buyout, refinance balance, monthly payment, and loan-to-value gap. 2 min Rent versus Buy CalculatorCompare renting with buying after mortgage payments, ownership costs, appreciation, rent growth, and invested upfront cash. 2 min Property Purchase Cost CalculatorEstimate cash needed to buy a property after down payment, closing costs, inspections, prepaid items, moving, and immediate repairs. 2 min Rental Yield CalculatorCalculate gross rental yield, net operating income, cap rate, debt service, and monthly cash flow for a rental property. 2 min Renovation Budget CalculatorBuild a renovation budget with contractor work, materials, design, permits, contingency, financing, and temporary housing. 2 min Renovation Permission CheckerIdentify common building-permit, zoning, historic-district, landlord, and HOA approvals to investigate before renovation work. 2 min Ownership or Rental Status CheckerOrganize deed, lease, rent, equity, control, and expense facts to identify whether a housing arrangement is documented or unclear. 2 min Condominium Approval CheckerScreen condominium project documents, reserves, insurance, litigation, arrears, and occupancy for lender-review risks. 2 min

Every calculator here works with after-tax money, shows its assumptions, and prints the formula at the bottom of the page. Formulas and assumptions are shown on each calculator page.