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🏠 Real Estate & Financial Calculator - Mortgage, DTI, Cap Rate & Seller Net Sheet

Multi-tab calculator for mortgage amortization, DTI qualification, cap rate analysis, and seller net sheets. Run locally in your browser.

Mortgage & Amortization Calculator

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DTI & Qualification Tool

Income Information
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Monthly Recurring Debts
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Mortgage Terms
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Housing Expenses (Annual/Monthly)
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Cap Rate & NOI Calculator

Property Information
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Operating Expenses (Annual)
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Seller Net Sheet Calculator

Sale Information
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Commissions
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Closing Costs & Fees
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Frequently Asked Questions

The basic mortgage payment includes Principal and Interest (P&I). Additionally, lenders may require escrow accounts for Property Taxes, Homeowners Insurance, and PMI (Private Mortgage Insurance if down payment is less than 20%). HOA fees (if applicable) are separate.

Down payment requirements vary by loan type: Conventional loans typically require 3-20%, FHA loans require 3.5%, VA loans require 0% for eligible veterans, and USDA loans require 0% for rural areas. A larger down payment (20%+) avoids PMI and results in lower monthly payments.

Front-End DTI (housing ratio) includes only housing expenses / gross income. Back-End DTI includes all monthly debt obligations including the proposed mortgage / gross income. Lenders typically require Front-End ≤ 28% and Back-End ≤ 36%, though these can vary.

NOI is Gross Operating Income minus operating expenses (excluding debt service). Cash Flow is NOI minus mortgage payments and income taxes. NOI is used to calculate Cap Rate, while Cash Flow represents actual money in your pocket.

A "good" cap rate depends on the market and property type. Generally, 5-10% is considered reasonable for rental properties. In hot markets, you might accept 4-6%, while in slower markets you may find 8-12%. Compare against other similar properties in your area and account for growth potential.

This is by design. Interest is calculated on the outstanding balance, which is highest at the start of the loan. As you pay down principal, less interest accrues on the remaining balance. Adding extra payments accelerates principal reduction and saves significant interest over time.

No. All calculations run entirely in your browser using JavaScript. No data is transmitted to any server. Your privacy is completely protected—you can use this tool offline if needed.

You can: (1) Take a screenshot of the table, (2) Copy and paste the table into Excel, (3) Print the page (Ctrl+P / Cmd+P) and save as PDF. Browser-based data export features may be added in the future.