Tools · 24 tools
Free homeowner calculators and tools
Free calculators for property tax, insurance, HOA fees, escrow, repairs and budgeting. Your numbers stay in your browser.
- Property taxProperty Tax Calculator: Estimate Your Yearly BillEstimate your yearly and monthly property tax from your home's value, your local assessment ratio, any exemption and your tax rate. Enter the rate as a percent or in mills.
- Property taxProperty Tax Appeal Calculator: Estimate Your SavingsFind out what a successful property tax appeal could be worth. Enter your current and hoped-for assessed values, your tax rate and any costs to see your yearly and net savings.
- Property taxHomestead Exemption Calculator: See Your Tax SavingsSee what a homestead exemption could save you. Enter the exemption amount and your tax rate to estimate your yearly, monthly and multi-year savings.
- Property taxAssessment Cap Calculator: Savings From a Yearly LimitSee how a yearly cap on assessed value growth could lower your property tax. Compare capped and uncapped values and add up the tax savings over time.
- Home insuranceDwelling Coverage Calculator: Estimate Your Rebuild CostEstimate the cost to rebuild your home from its size and a local cost per square foot, then compare it with the dwelling coverage you carry today.
- Home insuranceCoinsurance Calculator for Homeowners InsuranceSee how an insurer might pay a partial claim when your dwelling coverage is below the share of replacement cost your policy requires.
- Home insuranceHome Insurance Deductible Calculator: Break-Even YearsCompare two deductible options and find out how many claim-free years it takes for the lower premium to make up for the extra money you would pay on a claim.
- Home insuranceHurricane and Percentage Deductible CalculatorTurn a percentage deductible, such as a 2% hurricane deductible, into a dollar amount and see how it compares with your regular flat deductible.
- Home insuranceHome Insurance Coverage Calculator: Limits by PartEnter your dwelling coverage and the percentages on your policy to see the dollar limit for other structures, personal property and loss of use. Then compare each number with what you would really need after a big loss.
- Home insuranceFlood Insurance Calculator: Find Your Coverage GapEnter what your home and belongings are worth and your flood policy limits. The calculator shows how much a total flood loss could leave uncovered and the most the policy could pay.
- Budgeting for upkeepHome Maintenance Calculator: Yearly Upkeep BudgetEnter your home's value, a budget percentage and its size to get a yearly and monthly maintenance target. The result is a starting point built on rough rules of thumb, so adjust it for your home's age and condition.
- Budgeting for upkeepHome Repair Sinking Fund CalculatorList the big replacements you expect and when they will likely be due. The calculator spreads each cost over the months you have left and adds them into one monthly savings target.
- Maintenance & repairsRepair or Replace Calculator for Home SystemsShould you fix it or buy new? Enter the repair quote, the replacement price and the item's age to compare the cost per year of each choice.
- Home warrantiesHome Warranty Calculator: Will a Plan Save You Money?Compare what a year of repairs might cost on your own with what you would pay under a home warranty, including the plan price, service fees and coverage caps.
- HOA rules & feesHOA Fee Calculator: What Your Dues Will Really CostEnter your monthly HOA dues and an expected yearly increase to see what the association will cost you over the years you plan to stay, including any special assessment.
- HOA rules & feesHOA Reserve Fund Calculator: Check Percent FundedEnter your HOA's reserve balance and the fully funded balance from its reserve study to see how well funded the reserves are and how big the gap is per unit.
- Budgeting for upkeepEscrow Shortage Calculator: Your New Escrow PaymentEnter your yearly property tax and insurance bills and your escrow statement's projected low balance to estimate your escrow shortage and your new monthly escrow payment.
- Budgeting for upkeepHouse Payment Calculator: Your Full Monthly Housing CostYour mortgage payment is only part of the bill. Enter the price, down payment, rate, taxes, insurance, PMI and HOA dues to see the full monthly cost of owning the home.
- Budgeting for upkeepEmergency Fund Calculator for HomeownersOwning a home adds surprise costs that renters never see. Set a savings target that covers your living expenses plus a cushion for home emergencies, and see how many months it will take to get there.
- Seasonal checklistsElectricity Cost Calculator for Home AppliancesFind out what a space heater, dehumidifier, window AC or any other appliance costs to run. Enter its wattage, how long you use it and your electricity rate to get yearly kilowatt-hours and dollars.
- Maintenance & repairsRenovation ROI Calculator: Is a Remodel Worth It?Enter what a project costs, the resale value you expect it to add and any yearly savings, such as lower energy bills. The calculator shows your return on investment, how much of the cost you get back at sale and what the project really costs you.
- Budgeting for upkeepHome Ownership Cost Calculator: Your First YearThe mortgage is only one of the bills. Estimate what your first year of owning a home costs on top of the loan: taxes, insurance, HOA dues, upkeep, utilities and move-in spending.
- Budgeting for upkeepRefinance Break-Even Calculator: When Does It Pay Off?Enter your loan balance, current and new interest rates, the terms and the closing costs to see your monthly savings and how many months it takes for a refinance to pay for itself.
- Property taxHome Sale Capital Gains Calculator (Section 121)Selling your main home? Estimate your gain on the sale, how much of it the IRS home sale exclusion can remove, and how much may still be taxable.
Frequently asked questions
Are these homeowner calculators free?
Yes. Every tool is free, needs no account and runs in your browser. Nothing you type is sent to us or stored.
How accurate are the results?
Each tool uses the formula shown on its page and the numbers you enter. Results are estimates for planning; your county, insurer, servicer or a licensed professional has the final word.
Can I share or save a result?
Yes. On a full tool page your inputs are added to the address bar, so you can bookmark the page or use the copy-link button. You can also print the page.
Where do the default numbers come from?
Defaults are hypothetical examples that show how the tool works. Replace them with figures from your own assessment notice, policy, escrow statement or quotes.
Do the tools work for every state?
The math works everywhere, but rules such as exemptions, assessment caps and deductibles vary by state. Each tool page explains which rules change the answer.
Can I use the tools on my phone?
Yes. The calculators work on small screens, with large inputs and results that update as you type.