There are hundreds of websites with free online real estate calculators, but the vast majority just "rent" usage of them from the vendors below. Paying them rent allows webmasters to put the financial calculators on their site in a manner that makes it look like their site built them (when they really just go to a site like Dinkytown to calculate and display the results). So most financial calculators are the same. For example, FinanceCalc.com just VisualCalc.com's financial spreadsheets and MoneyToys uses Wheatworks.

Articles about owning a home compared to renting.

Please keep in mind that Tools for Money didn't make the money calculators listed below, they're just links to other free online financial calculator websites.

Most calculate the numbers as advertised, but there are so few input fields, that you can't account for most of the details that will dramatically alter Real World results.

Time Value of Money and Financial Calculator Terminology

TVM = Time value of money - the basic concepts of what these financial calculators are all about. PV = Present Value (beginning investment values, or how much something is worth today). PMT = Payments (constant contributions or withdrawals each compounding period, usually added to or subtracted from the scenario monthly). I = Compound interest rate (interest rate or growth rate that is applied at each N compounding period). N = Number of compounding periods (how many times the calculations are done that compound money at the given interest rate, usually in months or years. E.g., If you have $100 and you compound, or add, 10% annual interest, then you'd have $110 as a future value over this one compounding period. If N=2, then it would compound twice, and your ending value would be $121, which is $110 plus 10%). FV = Future value (usually the result, or the amount of money accumulated over N compounding periods). P = Principal, or how much money is being lent or borrowed. ARM = Adjustable Rate Mortgage. APR = Annual Percentage Rate.

This is page 4 of 11 of the free financial calculators:
Real Estate Calculators

401(k) Calculators

Basic Financial Calculators

Family Money Calculators

Real Estate Calculators

Debt Calculators

Investment Calculators

Retirement Calculators

Tax Calculators

College Calculators

Insurance Calculators

Business Owner Calculators

Financial Planning Software Modules For Sale
(are listed below)

Financial Planning Software that's Fully-Integrated
(the IFP is the NaviPlan alternative for 1/6th the price)

Goals-Only "Financial Planning Software"
(the MoneyGuidePro alternative for 1% of their price)

Retirement Planning Software Menu: Something for Everyone
(the RWRs, RP, and SRP)

Comprehensive Asset Allocation Software

Model Portfolio Allocations with Historical Returns

Monthly-updated ETF and Mutual Fund Picks

DIY Investment Portfolio Benchmarking Program

Financial Planning Fact Finders for Financial Planners Gathering Data from Clients

Investment Policy Statement Software (IPS)

Life Insurance Calculator (AKA Capital Needs Analysis Software)

Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization

Investment Software for Comparing the 27 Most Popular Methods of Investing

Rental Real Estate Investing Software

Net Worth Calculator (Balance Sheet Maker) and 75-year Net Worth Projector

College Savings Calculator

Financial Seminar Covering Retirement Planning and Investment Management

Sales Tools for Financial Adviser Marketing

Personal Budget Software and 75-year Cash Flow Projector

TVM Financial Tools and Financial Calculators

Our Unique Financial Services
(are listed below)

We're Fee-only Money Managers: So you can hire us to manage your money, and/or financial advisers can hire us to manage client money, using our Model Portfolios and/or Asset Allocation Systems

Consulting Services: Hire Us to Make Your Financial Plan, Retirement Plan, Benchmarking Report, Whatever

Buy or Sell a Financial Planning Practice

Miscellaneous Pages of Interest
(are listed below)

Primer Tutorial to Learn the Basics of Financial Planning Software

About the Department of Labor's New Fiduciary Rules

Using Asset Allocation to Manage Money

Download Brokerage Data into Spreadsheets

How to Integrate Financial Planning Software Modules to Share Data

CRM and Portfolio Management Software

About Monte Carlo Simulators

About Efficient Frontier Portfolio Optimizers

Calculating Your Investment Risk Tolerance

About Discount Brokers for DIY Money Management

About 401(k) Plan Management

Vendors > Functions	Tools For Money	Calculatorpro.com	Dinkytown.net Have to have Sun Java / ActiveX running (both are security risks)	FinancialCalculators.com Same as FinCalc.com and CalcXML.com It won't work unless you accept their cookies, have your Java turned on, and pop-up blocker turned off. It also won't work the first time because it needs to put a cookie on your computer. So click on another calculator after the first attempt fails, then they should all work.	Interest.com Same as Calculators.interest	Moneytoys.com Same as Wheatworks	Miscellaneous Vendors	VisualCalc.com Same as FinanceCalc All go to a main menu where you have to choose the calculator you want again
Real Estate Rate of Return (and equity calculators and depreciation calculators)	Yes, the most comprehensive ever made, but not free.	Real Estate ROI Calculator. Real Rate of Return Calculator. Straight � Line Depreciation Calculator.	Investment Property Calculator.	Input several parameters of rental properties and it calculates how a rental property is doing.	No.	Home sale net gain calculator: Input home-owning and sale expenses and calculate net gain or loss. Discounted cash flow calculator.	Depreciation Calculator. Input several parameters of rental properties and it calculates how a rental property is doing.
Generic Mortgage Loan, and Equity Line of Credit Calculators, and Miscellaneous Real Estate Calculators	Some for free.	Home Affordable Modification Program Calculator. Home Equity Loan Calculator. PPI Claim Calculator. Private Mortgage Insurance (PMI) Calculator. Profit Calculator. Offer Calculator. Rent Per Square Foot Calculator. Total Rent Calculator. Upside Down Mortgage Calculator. Real Estate Sale Commission Calculator.	Calculates your payment or loan amount for different payment frequencies. Calculate an amortization schedule for your current mortgage. Calculate an amortization schedule for your current mortgage (a couple more inputs than the one above). Amortization chart for calculating mortgage payoffs. Equity line of credit payments: Compound interest calculator: Input PV, I, and calculate an amortization schedule. Home-based equity line of credit calculator. Input home value, mortgage, and loan to value ratio, and see how much you can borrow. Home based equity line of credit payoff calculator. Input debt, PMT, rate, fees and calculate how long it will take to pay off. Investment Property Calculator Repossession of Real Property Like Kind Exchange REIT Tax-Equivalent Distribution Home Equity Debt Consolidation Balloon Mortgages Blended Rate Mortgage Calculator FHA Mortgage Loan Calculator.	Calculate an amortization schedule for a mortgage including PITI. Mortgage calculator.	Compare mortgage parameters from 30 year vs. 15 year loans. Calculates loan payment or loan amount, then an amortization schedule, based on simple input. Calculate Equity Line of Credit based on appraisal value, debt, and loan to value ratio. Mortgage Calculator. Mortgage Payoff Calculator. Line of Credit Calculator. Mortgage calculator.	Loan calculator: Input PV, I, Points, N, and it calculates PMT, total interest paid, cost of points, and total amount paid. Compare four mortgage loan scenarios on one matrix. Loan spread calculator: Choose which series of loan data will be highlighted in a matrix of load spread data. Calculate detailed closing costs. Mortgage loan calculator. Another Mortgage Calculator.	Mortgage Calcs. Mortgage Calculators. Mortgage Calculator. Home Mortgage Calculator. Mortgage Payment Calculator. Home Equity Loan Calculator. Home Equity Line of Credit Calculator. Simple Interest Mortgage Calculator.	No.
Adjustable Rate Mortgage Calculator (ARMs vs. fixed vs. other non-traditional mortgages like interest only mortgage calculators and reverse mortgage calculators).	No.	Interest Only Mortgage Calculator. Reverse Mortgage Calculator.	Adjustable rate mortgage calculator: Input loan amount (PV), term (N), beginning interest rate, time between adjustments, interest rate cap, and it shows amortization schedules. Calculate an amortization schedule for assuming two mortgages on the same property. Calculate amortization schedules comparing fixed rate mortgage vs. ARM based on LIBOR rates. Calculate an amortization schedule for an interest-only mortgage. Compare fixed rate mortgage to Fully Amortizing ARM and Interest Only ARM. Compare a fixed rate mortgage to an interest-only mortgage. Calculate an interest only ARM. See if consolidating debt into a mortgage is right for you. Calculate the minimum payment on an Option ARM mortgage. Reverse Mortgage Calculator. Adjustable Rate Mortgage Calculator.	Adjustable rate mortgage calculator: Input loan amount (PV), term (N), beginning interest rate, time between adjustments, interest rate cap, and it shows amortization schedules. Compare fixed mortgages vs. ARMs: Input fixed vs. variable parameters, assumed interest rate changes, and it compares. Compares long-term effects of a "No-cost" (higher rate instead of closing costs) mortgage vs. traditional loans. Compare an interest-only versus traditional mortgage.	Calculate mortgage parameters for an interest only loan that only lasts so long, then converts to a normal loan. Calculate an amortization schedule for an interest only mortgage. Calculate mortgage parameters for an interest only loan, vs. fixed-rate vs. variable rate loans. Adjustable rate mortgage calculator. Fixed rate mortgage vs. interest only mortgage. Interest Only Loan Calculator. Balloon mortgage calculator. Adjustable rate mortgage calculator. Interest Only Loan Calculator. Fixed vs. Interest Only Calculator. Mortgage comparison: 15 years vs. 30 years. ARM vs. fixed rate mortgage.	No.	ARM Calculator. Canadian Mortgage Calculator. Extra Payment Mortgage Spreadsheet. Interest-Only Mortgage Calculator. Fortnightly (Bi-Weekly) Mortgage Calculator. 3/1 ARM calculator. 5/1 adjustable rate mortgage calculator.
APR Calculators	No.	No.	Calculate the APR of an adjustable rate mortgage: Input Loan amount, Years, beginning rate, current index, margin, adjustments, closing costs and points, and it shows an amortization schedule. Detailed Mortgage Calculator. APR Calculator for Adjustable Rate Mortgages.	No.	APR calculator: Input Loan type and amount, rate, it shows an amortization schedule considering interest rate adjustments and interest rate caps. APR calculator that considers points and other costs.	APR calculator: Input mortgage loan data with breakdown of all items in closing costs, and it calculates PMT, APR, and total closing costs.	No.	No.
Bi-weekly Payments for an Existing Mortgage (alternative payment frequencies and/or durations) and other Mortgage Payment Calculators.	Comprehensive real estate calculators, but not free.	Mortgage Payment Calculator � GBP. 15 Year vs. 30 Year Mortgage Comparison Calculator. Mortgage Payment Calculator.	Calculates interest savings of using an accelerated bi-weekly mortgage payment schedule (more input fields than the others). Calculates savings by using an accelerated bi-weekly mortgage payment Mortgage comparison: 15 year vs. 30 year calculator. Loan accelerated payoff calculator. More input fields than others. Bi-weekly Payment Calculator, Bi-weekly Payments for an Existing Mortgage.	Simple bi-weekly mortgage calculator to see how much sooner it will be paid. Mortgage comparison: 30 year vs. lower term calculator. Comparing mortgage terms (i.e. 15, 20, 30 year). Similar to the accelerated debt payoff calculator above.	Fixed vs. Interest Only Calculator. Mortgage comparison: 15 vs. 30 years. Accelerated Mortgage Payoff Calculator.	No.	Loan accelerated payoff calculator. Input additional payments and see debt shrink. Pay mortgage or invest calculator. Accelerated mortgage calculator.
Maximum Mortgage and Mortgage Qualifier	No.	Debt to Assets Ratio Calculator. Debt to Equity Ratio Calculator. Debt to Income Ratio Calculator. How Much Rent Can I Afford Calculator. Loan to Value Ratio Calculator. Qualified Financing Amount Calculator. LTV Calculator. Maximum Mortgage Calculator.	The most detailed calculator for finding the most mortgage you can assume given: Income and other loans. Calculate the most mortgage you can assume given: Income and other loans. Calculate the income required to qualify for a mortgage.	Calculate the most mortgage you can assume given: Income and other loans. More inputs than the others. How much home can I afford?	Calculate the most mortgage you can assume given: Income and other loans. Loan and line payment. Similar calculator to the one above. Required Income. How Much Can I Borrow? Required Income Calculator. How Much Home Can I Afford.	Mortgage Qualification Calculator.	Calculate the most mortgage you can assume given: Income and other loans. Mortgage affordability calculator.
Mortgage Points Calculator (down payments vs. points vs. lower rates)	No.	Mortgage Points Calculator. Simple Estate Agent Fees Savings Calculator.	Pay mortgage points vs. increased payments calculator.	Pay mortgage points vs. increased payments calculator. How do closing costs impact the interest rate?	Pay mortgage points vs. increased payments calculator.	No.	No.
Mortgage Tax Savings Calculator	No.	No.	Calculate tax savings of deducting mortgage and other real estate costs.	Calculate tax savings of deducting mortgage and other real estate costs.	Loan & line payment.	No.	No.	No.
Mortgage Refinance Calculators	No.	No.	Calculate how long it will take to breakeven on a mortgage refinance. How much interest can you save if you refinance your mortgage calculator.	Calculate refinancing savings, compare refinancing vs. not. Should I refinance my home mortgage?	How much interest can you save if you refinance your mortgage calculator. Calculate refinancing savings, compare refinancing vs. not. Refinance interest savings calculator.	Calculate refinancing savings, compare refinancing vs. not.	Mortgage refi calculator.
Rent vs. Buy Home Calculators	Yes, but not free.	No.	Semi-detailed rent vs. buy home calculator.	Detailed buy home vs. rent calculator.	Buy home vs. rent calculator.	Semi-detailed rent vs. buy home calculator.	Home Expense Calculator. Simplistic real estate rent vs. buy calculator.