Loans & Debt

Debt-to-income, home affordability, HELOC, and credit card payoff. Each one runs in your browser.

• Debt-to-Income (DTI) Ratio Calculator

  Calculate your front-end and back-end debt-to-income ratio and see how much more monthly debt fits under 36%, 43% and 50% lender benchmarks.

• Home Affordability Calculator

  Find a home price that fits your income, debts, down payment and rate. Uses the 28/36 rule by default and includes property tax, insurance and HOA.

• HELOC Payment & Borrowing Power Calculator

  See how much you can borrow with a HELOC and what you'd pay during the draw and repayment periods. No personal information needed.

• Credit Card Payoff Calculator

  See how long it takes to pay off a credit card and how much interest you'll pay, or find the monthly payment to be debt-free by a target date.

• Rent Affordability Calculator

  Find the most rent you can afford by the 30% rule, 50/30/20 and the 40x and 3x income checks landlords use. Enter your income to compare.

• Cap Rate Calculator

  Build NOI from rent, vacancy and expenses, then see the cap rate, the maximum price at your target cap rate and the NOI you need. Free for rental property.